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

First off, my mortgage company said that I owed {$8000.00} on my   XXXX   statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on  XX/XX/XXXX  and cleared the mortgage company on XX/XX/XXXX . In  XXXX , I received another bill saying that I still owed an additional 6k over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that   XXXX   ( loan servicing company ) reported to all  XXXX  credit bureaus that I was late for my   XXXX   payment. My broker at   XXXX   XXXX   XXXX   got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of  XXXX  to an average of   XXXX    and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems.
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In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the  XXXX  or the latest the  XXXX  of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the  XXXX  then they charge me at least {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a checking account and it would not let me because of the security freeze. Please remove it so the check system will allow me to open up the account. I have provided a copy of my driver 's license and social security to verify my identity.
Product: Credit card

My wife and I have been the victim of ID Theft. We have had several creditors issue us letters that we we are not responsible for accounts. ASPIRE is a card I didn't take out in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX has filed a false report to Experian claiming that I owe them. I have contacted the company as well as Experian to get this matter resolved and removed from my credit report because I do not owe this account. I asked them to complete a full investigation in which they did not. They sent me a contract which is not mine and does not display any of my personal information, the numbers on the contract does not reflect the amount claimed to be owed on credit report, the dates to not match, and most of the contract is faded and not legible. I have written to Experian 4 times requesting that this unverified account be removed from my credit report. I would like to also note that after investigating XXXX and XXXX have already removed this same account.
Product: Debt collection

On XX/XX/XXXX I contacted Portfolio Recovery Associates LLC at their listed phone number of XXXX. After providing my first and last name, the customer service representative informed me that I would need to call another company to deal with the debt I was inquiring about. They informed me they transferred it off to a company called XXXX XXXX XXXX in XXXX of XXXX and gave me their phone number. When I told them that they were listed as the creditor on my credit report, they again told me they were unable to help and that I needed to call XXXX XXXX XXXX to discuss the debt or make a payment. 

I told them that on the Portfolio Recovery Associates site, in very clear language, it says " We only collect on debt that we own and we never resell your debt ''. When I questioned the customer service representative about this, she told me she wasn't able to speak to that matter, she can just see what's on the computer. I then asked for a supervisor. The supervisor immediately told me the exact same thing, that I needed to contact XXXX XXXX XXXX to discuss the debt or arrange payment. When I asked how they were allowed to sell off the debt, she informed me they didn't sell it, but just handed it off for payment collection, but she also informed me that Portfolio Recovery Associates couldn't collect payment or withdraw the collection from that company ( despite the fact they claim they own it still ). When I asked why they did this, she asked a co-worker and the response was " sometimes we just get busy and they need to give accounts to other companies to collect on ''. When I questioned them again on how they sold off the debt, despite their promise on their website, the supervisor told me they didn't sell the debt but again told me to contact XXXX XXXX XXXX with any questions. 

Their claim that they didn't sell off this debt seems like a lie since they are claiming they can't collect payment for it, and don't have the ability to discuss it with me. They said they only control the reporting to the bureaus and said if I pay XXXX XXXX XXXX, they'll let Portfolio Recovery Assets know so they mark it resolved. When I asked them to verify the validity of this debt, again I was told to call XXXX XXXX XXXX because they were unable to do so. It seems if the company who claims to own it, can't verify the debt, it's not a legitimate debt. 

You can find the statement about them not selling accounts on their website at the following link : XXXX XXXX XXXX So in summary, Portfolio Recovery Associates XXXX XXXX they own this debt and are currently reporting it to the credit reporting agencies as unpaid and delinquent, but when I call to speak to them about it, they're claiming it's handled by XXXX XXXX XXXX  and they're unable to verify this debt. This feels like they're doing something incredibly shady, if not downright illegal.
Product: Debt collection

Best Buy/ CitiBank XXXX purchased a home theater system from Best Buy with a Citbank/Bestbuy card . When they came to my home to install the equipment there were items that were broken. They said they would replace them and they didn't so I asked them to come pick up the equipment. They picked up everything and I owed nothing nor did I purchase anything else with this card. I've disputed this several times and they keep passing this issue off to everyone else. I've went to the place I purchased this system and they said they can't do anything to help with the situation. I contacted the Law office they deferred it to and explained the situation. That was over a year ago and they still didn't report it correctly nor can I get anyone to respond to when I call. I don't owe this debt and it's affecting my livelihood. I'm a XXXX XXXX XXXX XXXX XXXX with a fixed income. This account reporting on my credit report is damaging to the things that I'm trying to accomplish
Product: Vehicle loan or lease

I wish to file a formal complaint against One Main Financial for predatory lending and deceptive sales practices, by failing to include all costs of credit, application processing fees and total annual finance charges in the APR calculation, once these factors were added, the actual APR exceeded the the lawful interest rate cap of 36 % violating the Predatory Elimination Act within the State of Ohio and The XXXX and Consumers Fair Credit Act, S. 2508/H.R. 5974, to enact a national 36 % interest rate cap covering all lenders, including banks. One Main Financial targeted me a XXXXXXXX XXXX whom is financially inexperienced and without regard to my ability to repay The loan also failed to include all mandatory disclosures from a protected XXXXXXXX XXXX in receipt of Pension from the US Government.
Product: Debt collection

I moved out of an old apartment almost two years ago. After I left, I received a notification from a debt collection agency that I owed money on my lease of my old apartment for reasons that I am unaware of. When I called the rental agency that owned my apartment, I was told that I they had no record of me and that I did not owe them any money. I have written documentation of proof of this as well.
Product: Debt collection

They, Capital One, have called me 43 times in 7 days. Several phone calls were made after XXXX and I have to work at XXXX. They call all hours of the day and they leave 1 second voicemails. I owe this company {$500.00} total and I told them I would pay the {$25.00} I owe on Friday when I got paid. They have called 42 times since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my previous complaint XXXX. 

XXXX. The Transunion credit report indicates that my account is Status 1 Late. 
The letter from XXXX dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' XXXX. An automatic payment was not received by XXXX because of a XXXX bank error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to XXXX XXXX
Product: Credit card or prepaid card

Brand new credit card received with a credit limit of {$1000.00}. My very first payment was due XX/XX/18. I made a payment online XX/XX/18. I received an emailed same day ( XX/XX/18 ) stating the payment was " scheduled '' and would take 2 business days to post. Emailed received XX/XX/18 stating the payment made on account posted XX/XX/18. Next email received XX/XX/18 was simply stating my statement was ready. XX/XX/18 and XX/XX/18 indicated that a payment was missed. I contacted the issuing bank ( Synchrony for XXXX ) to which I was advised for the very first time that my payment was rejected. I never received any notification via email that this was an issue. On XX/XX/18 I was able to speak with a supervisor who informed me that the notices that go out for rejected payments, only go out in a letter to the home address and NOT via email like all of their other correspondences related to the financial aspect of the account. She also stated that the 2nd email that indicates a " posting '' to the account does not mean funds were received by my bank for the payment. The email does have verbiage that indicate that it being considered as " posted '' there could be issued with my bank information and funds not meeting the payment. The letter that they generate for this " rejected '' payment was dated XX/XX/18, and was received in the mail on XX/XX/18. As a result of this undisclosed " rejected '' payment, I was charged a late fee, ( however, I would have corrected my bank acct number or used another source of payment if I was notified and the payment would not have been late ), the late payment was removed, yet my credit limit was drastically reduced. This particular credit car has options when purchasing to request installment payments of purchased, therefore by reducing the limit, the pending charges, once processed would result in the credit line being exceeded. I had previously made purchased based on my credit availability at that time. This appears to be a tactic used to set a consumer up for fee after fee. The notifications used were deceptive as they email for late payments and when payments are received, but lack timely notifications that could inform the consumer of issues that could result in a negative impact on credit and additional fees. Their resolve was for me to request a review for an increase in the credit limit ( of which I was denied ) and no options for the communication as this was their practice and they were " sorry this happened '' and I could simply pay off the card to avoid further issues.
Product: Checking or savings account

Hi on the evening of XXXX XXXX I received an email saying that my checking and savings account has been inactivated due to the changes in my Bank of America account XXXX 
I called and spoke to an associate who instructed me to call the following morning to speak to someone on this matter who could better assist me. All the associate said was that my account has been closed. I called the following morning and spoke to another Bank of america associate who confirmed my checking and savings account has been closed and no reasons were given. I asked about my money in my checking and savings account and was informed that i would be receiving a money order or cashiers check for the money in my accounts, and that I would receive a letter saying that my account has been closed. It is now XXXX XXXX and i have not received my money or any letter from Bank of America about this matter. I have been a customer for over XXXX XXXX  and never any issues. I want to know why my account was closed without any prior notice, and I want to know when i will be receiving my money that was in my checking and savings account.
Product: Student loan

On XX/XX/XXXX, I contacted FirstMark services to report that I was unable to afford my monthly payment of {$320.00} ( which is more than XXXX of my biweekly paycheck ). They told me they were unable to lower my payment but I could apply for my LAST two months of forbearance. With XXXX, my only daughter 's XXXX birthday coming up on XX/XX/XXXX and the XXXX season shortly behind, I decided to utilize my last two months of forbearance, despite the fact that I'll be paying on this for another TEN ( 10 ) YEARS! On XX/XX/XXXX, I was notified that my forbearance was approved from XX/XX/XXXX to XX/XX/XXXX despite having made a payment on XX/XX/XXXX. The forbearance should have been approved from XXXX to XXXX. I contacted them and they told me I was wrong. 
On XX/XX/XXXX, I received a letter than my loan was entering repayment and my next payment would be due XX/XX/XXXX ( again, wrong ). On XX/XX/XXXX, I started receiving collections calls from XXXX XXXX XXXX telling me that I was 30 days past due and owed them {$640.00}. I was upset because it was 3 days before XXXX and the website was telling me I owed them more than {$950.00}. In tears, I spoke to a supervisor who told me this was a mistake on their part, that the forbearance was ended too soon and that they'd make the adjustments and send me a special letter detailing the circumstances of the error. I was reassured that mine and my cosigner 's credit reporting and would not be impacted. 
on XX/XX/XXXX, I received another collections call, spoke with another supervisor who said my request to fix their error was rejected and I'd essentially have to reapply for the forbearance I requested in XXXX. 
I'm actively drowning in this debt. Between this and my other private and federal student loans, I can not afford a home, I can not raise my credit score because my debt to income ratio is screwed. I need help. First mark Services is not able to service these loans sufficiently or in a way that doesn't prey upon hard working XXXX XXXX who followed the rules, went to college, went to XXXX XXXX, and have nothing to show for it except XXXX student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights have been violated. I am displeased and feel unsafe. 

To whom it may concern, Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to the subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I XXXX XXXX XXXX, never gave TRANS UNION any written consent to report anything on my consumer report, no consent is identity Theft. 
Under 15 US Code 1681 ( a ) Accuracy and fairness ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers To assume is to have no proof. The assumption your company has made has caused me stress in my life as the consumer reports created has caused me to miss opportunities to gain assets, products, and services.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

TRANS UNION has violated my privacy by assuming this role and creating credit reporting that many companies have use to verify my credit worthiness. As a consumer and a creditor this is unfair and a violation of my consumer rights. These negative items on my consumer report are defamation of my character. 

Concerning the accounts listed below as a consumer I am demanding a deletion of the following accounts. 
1. ) Account Name : XXXX XXXX XXXX ACCOUNT NUMBER # XXXX 2. ) ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX 3. ) Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX 4. ) Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX 5. ) Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : 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. 

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.
Product: Mortgage

On XX/XX/XXXX we received a letter from Ocwen Loan Servicing , LLC that we had missed a mortgage payment in XX/XX/XXXX. We immediately call them, spoke with XXXX # XXXX and told her that Ocwen cashed our check, electronically, on XX/XX/XXXX and emailed Ocwen a copy of the bank transaction, along with a copy of our bank statement showing the transaction. She said they would contact us in 15 business days. We have always paid our mortgage payment, even though we had to file bankruptcy in XX/XX/XXXX. Our lawyer at that time filed a " reaffirmation '' with Ocwen. On XX/XX/XXXX we received a letter and all types of forms advising that our loan is " in default '' and that we must select a method to bring this account current. It is obvious that Ocwen lacks communications and coordination between their internal departments. This latest letter borders on harasment. They cashed our check and have lost the monies that should be applied to our principle, interest, and escrow accounts. This is basically fraud and theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureaus to validate the account ( A ). I hope the disputed account is now updated. 
Please fix this account : XXXXDEPT OF ED XXXX Balance {$5700.00}
Product: Debt collection

American First Finance has attempted to contact me numerous times everyday for the past month, to the point where it has upgraded to complete harassment on their part. They have refunded money to my accounts, only to debit it back out in order to keep their collection tactics active and continue to harass. The amount being collected on has been contested by myself and my financial institution and several stop pays have been initiated, costing me even more money from my bank, XXXX. It has been a true terror dealing with this company and I really hope this report is a warning to other on doing business with American First Finance.
Product: Credit reporting

XXXX ACCOUNT HAS BEEN ON MY EWUIFAX REPORT FOR 7 YESRS NOW AND HAS NOT BEEN DELEED YET THE CREDITOR ALSO HAS NOT REPORTED ANY PAYMENT HISTORY FROM THIS ACCOUNT SO THIS ACCOUNT SHOULD BR DELETED FROM MY EQUIFAX CEEDIT FILE XXXX AND XXXX JUST DELETED XXXX ACCOUNT FROM THEIR REPORTS BECSUSE IT HAS BEEN 7 YEARS AND FOR SOME ODD REASON EQUIFAX IS REFUSING TO DELETED THIS ACCOUNT
Product: Checking or savings account

Around XXXX of 2020 Flagstar utilized a 3rd party bill pay for their checking bill pay options for consumers. 
This bill pay system paid out transactions without sufficient funds in the consumers account and did not reconcile current balance prior to charging fees and returning payments. 
Funds should not have NSF fees on bill pay and this is currently a option disabled withing the Flagstar banking system on my account due to bank error. 
Fee continued to attempt to charge from bill pay without sufficient funds creating an error and I was locked out of the bill pay system so could not start/stop any type of payments that were creating this fee. 
Also {$2.00} fee charged for " Right to offset ''. This should be disclosed before bank offsets with clear definition as to the charge.
Product: Credit reporting or other personal consumer reports

XXXX {$250.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverified accounts unresolved.The consumer financial bureau ( CfPB ) has recently filed a lawsuit against Experian, Alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes .These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I have provided causing ongoing harm to my credit standing XXXX am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inactions violates federal law and my right as a consumer
Product: Debt collection

I received many letters of collection in the mail from Midland Funding LLC / Midland Credit Management Inc . I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.
Product: Credit card

I have contacted this business multiple times to receive validation. They have not shown any original documents to fully verify these charges and identity. The debt is from XXXX, and still shows only on XXXX bureau.