23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Beginning of XX/XX/2020 I recieved a letter from my mortgage company stating my forced property insurance would renew XX/XX/2020. I made a payment on XXXX which cleared the escrow balance for the forced insurance bringing the escrow balance to XXXX. I also obtained my own homeowners with XXXX XXXX on XX/XX/20 which was promptly sent to PHH/Ocwen. Phh has verified receipt of the above document and yet is charging {$140.00} a month for an escrow account at XXXX balance. Phh has informed me as the mortgage company they have the right to tell me how my insurance will be paid and by whom being myself or them. I have paid my own homeowners insurance and do not care if PHH keeps the escrow account open only that they stop billing and attempting to intimidate me to pay for forced insurance I currently do not have.
Product: Debt collection

I have attempted multiples times with your company to get PORTFOLIO RECOVERY debt removed from credit report. Debt is not validated, verified, or authorized by myself as the original creditor.
Product: Debt collection

This debt was placed on my credit XX/XX/XXXX and said the account was opened XX/XX/XXXX. I've never opened no account and certainly not this one in XXXX of last year.
Product: Vehicle loan or lease

Hi My name is XXXX XXXX, I currently have a auto loan with XXXX XXXX, I have had many problems with this bank with info being report as well as communication errors with the staff. 
Currently there is a missed payment on my credit report, and because of that my score has taken a huge hit and no matter what i do will not get any better. I've disputed multiple times with both bank reps and the credit bureaus to no success. According to Safco i missed a complete payment on my auto loan and that is inaccurate i have never missed an payment. I have been late on account but never past 30 days. or without speaking with a representative first due to me being in military its times when i am in field training and can not have electronics which causes me to make payments after due date but per multiple agents with this company no payment has been missed that would fit there reporting policy to be late. I already had one report corrected through this company because inaccuracy. This is not fair. I can not move forward with anything else in life as far as housing and possible vehicle upgrades due to this account reporting the missed payment which is not accurate. all the bank can do is send me a payment history and i understand what there systems may say but the info is inaccurate and its just not fair that i have to continue to take the hit for something that is not true.. Ive made all the payments on this account accept one that was an arrangement Other that payment ive made all of my payments, even if they were made after due date none were ever made after the 30 day reporting policy
Product: Credit reporting or other personal consumer reports

My information was used fraudulently to apply for several different things that I did not authorize. These companies include XXXX XXXX XXXX XXXXVervent and XXXXVervent. On XXXX I called XXXX and they advised that there were no applications in my name or SSN, however there are hard inquiries on my credit reports.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and previously informed your agency on XX/XX/scrub>XXXX XXXX XXXX  about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB and FTC recommend credit freezes with the credit bureaus in response to the Equifax data breach. Yet, CFPB and FTC do n't realize that they charge a {$10.00} fee. That is insulting, especially with Equifax and their data breach. Equifax stands to profit at least {$1.00} XXXX in credit freeze fees from the estimated 143 million people impacted in their data breach. That is just Equifax. Transunion and Experian will also profit from Equifax 's poor cybersecurity and stand to each make {$1.00} XXXX, too. How in any world is that right for at the very least Equifax to profit by charging a credit freeze fee for their mistake? My wife and I will have to dole out {$60.00} to put freezes with each credit bureau.
Product: Credit card or prepaid card

On  XXXX   XXXX ,   XXXX   I filed a dispute with Credit card  ( Citi Cards ) i n the amount of {$400.00} after many attempts to resolve anything with the merchant. Who repeated told me I would receive a refund if I had to cancel. I feel I was discriminated against b y Citi Cards bec ause I am a  XXXX  senior vetera n America.. Citi Cards took the  word of the Merchant who did tell the truth about the issue.   I never signed any contract, there was never verbal explanation about getting a refund.   I will stop usin g Citi credit c ards because they are unfair to consumers.
Product: Student loan

I have a federal consolidated student loan that is serviced by MOHELA. The loan was consolidated in XXXX. I was an active-duty service member in the XXXX XXXX XXXX XX/XX/XXXX until XX/XX/XXXX. I began working as a federal civilian employee from XX/XX/XXXX through XX/XX/XXXX. I re-entered active duty military service on XX/XX/XXXX. I remain on active-duty in the XXXX XXXX XXXX Since XX/XX/XXXX, I have never requested for my loans to be placed in forbearance. Every year of my active-duty service and my XXXX  year as a federal civilian employee, I have filed a yearly certification form to determine my payment amount under an income-based repayment plan. Since the start of my active-duty service, I have been enrolled in an income-driven repayment plan. The Department of Education reviews my income on a yearly basis and determines my monthly repayment amount based on my previous year 's tax information. I have also been periodically submitting requests to certify the number of qualifying payments towards XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I accumulated XXXX payments and now qualify for XXXX. 

The XXXX  transitioned me into the XXXX repayment plan from the XXXX plan once the XXXX plan was implemented. I did not request to be placed into the XXXX repayment plan. In XX/XX/XXXX, a federal XXXX issued an injunction on the XXXX plan and MOHELA placed my account into forbearance. On XXXX XX/XX/XXXX, I submitted a request to MOHELA by uploading a request form ( attached ) to its website to change by loan repayment plan to the XXXX plan. On the request form, I asked to be placed into the XXXX plan immediately and be allowed to continue making payments. It is now XXXX XX/XX/XXXX, MOHELA has not placed me into the XXXX plan. MOHELA has not acknowledge receipt of my request to be placed into a new plan. My MOHELA account does not show any pending requests from me that the servicer is actioning. I also uploaded my active-duty military orders to the MOHELA website to apply the XXXX benefits to my student loan. MOHELA has also not acknowledged receipt of my orders or updated my account to reflect my active-duty service as of XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681c ( a ) ( 5 ) Section States ; no consumer reporting agency may make any containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Mohela is reported twice on my credit report. They refuse to remove it. I only have one account. It is duplicated on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some Voice Calls Match Mines and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> chase bank closed my account and issues cashier 's check for XXXX for the balance in my account on XX/XX/XXXX I went to XXXX to cash the check I was told the check is no good so I we t back to chase they said they were going to investigate it and wire my money to my new bank but they never did and now they closed the dispute refuse to refund me
Product: Credit reporting, credit repair services, or other personal consumer reports

had 2 late payments due to covid 19 epidemic was XXXX XXXX from work was late in XXXX of XXXX and XXXX of XXXX never missed any other payments trying to buy a home and late payments are really hurting credit score account is now and always has been current with NO other late payments
Product: Credit card or prepaid card

American Express exposed my XXXX credit score by printing it in my monthly credit card statement with neither my request nor permission. AMEX did so as they informed me they were raising my APR by six points despite my never having been late on a payment and always having paid above the minimum required. I believe it is a legal violation to print my XXXX credit score on a document and then send that document through the mail.
Product: Debt collection

I need some help I have filed a bankruptcy and now trying to move on with my life, there is a Kohls Capital One listed on my credit file that was included in my bankruptcy which on my credit file it says It's a charged off owing XXXX I have called Capital One and they state it is in Bankruptcy as I tried to pay this even though it was included they would not accept any money but they have it listed that I owe. How is this right or fair? Please help Kohls Department Store # XXXX Date open XX/XX/2009 balance {$3300.00} reporting as a charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$4400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the unresolved disputes I have raised with XXXX, XXXX, and Experian regarding inaccuracies on my credit report. Despite my efforts to rectify these issues, it has now been over 30 days without any response from your agencies. 

Enclosed are copies of the dispute letters previously sent, highlighting the violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), specifically : Failure to mark disputed accounts as such, as required by FCRA 623 ( a ) b ). 
Incorrect reporting period under FCRA 605 ( c ), reflecting the date of last activity instead of the last payment date. 
Continuous failure to validate collection accounts, a violation of FDCPA 809b per the FTC opinion. 
In light of these violations and the potential impact on my financial standing, I am requesting the immediate removal of the disputed accounts from my credit report. 

I expect prompt action from your agencies to rectify these inaccuracies and provide written confirmation of their removal at the earliest opportunity. 

Failure to comply with this request will leave me no option but to pursue further legal action to protect my rights. 

Please acknowledge receipt of this letter and provide a timeline for resolution. I am available for any further communication at the contact details provided above. 

Thank you for your urgent attention to this matter.
Product: Money transfer, virtual currency, or money service

A person known as " XXXX XXXX, '' hacked into my Venmo account and sent himself multiple transactions. Each amount going higher. Until the request for {$200.00} was denied for NSF in my account. I notified Venmo that this activity was fraud and they " froze, '' my account while they investigated. ( this is all via chat, btw- Venmo has NO phone communication at the time ) Even though I did not have the available money in my account- venmo authorized all these transactions and ruled them as " non fraudulent. '' So they cost me {$600.00} in overdraft charges right before XXXX while this random person continued to steal from me and Venmo allowed it. 

When I was finally contacted by an " account supervisor, '' she didn't even mention my issue. Simply told me that I needed to pay {$40.00} back to venmo because I disputed the charges with my bank. 

I TOLD VENMO it was fraud. I had proof and logic on my side- but they didn't even care enough to have a human speak to me. I still have not heard a response.
Product: Debt collection

I have the same account being reported on my credit report under XXXX different company names. This account is named differently at different credit reporting agencies. The alleged creditor is NATIONAL CREDIT ADJUSTERS. However, they also report under NCA acronym, which is a violation of the FDCPA section 807 ( 14 ) ; [ 15 USC 1692 ( e ) ]. It states, The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization is false and misleading representation. See attached.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX  account in my credit report XXXX XXXX XXXX which has more then 5 years since it was closed, as New York State resident the fact that account still in my credit report are violation of my rights, since The NY state law ( 380-J ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ; ) .That 's mean that account is violated my rights to be on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went in to check my credit score and it appears that CBNA created an inquiry into my credit on XX/XX/16 without my consent.
Product: Credit reporting or other personal consumer reports

All three Credit Bureaus ( XXXX, XXXX, and Transunion ) are falsely reporting on XXXX XXXX ' accounts and lying saying that it's from 3rd party collection agencies. It's from a department within their agencies. The Credit Bureaus are bombarding us with advertisements to pay for their service when they no longer have federal standing. Since they have access to all of us, they are reporting falsely on purpose and when they are found in error they do not put the score back where it was. We are being monitored by a team that monitors the deep background of our profiles watching for late payments. But because they do not know the terms and agreements for late payments they falsely report thinking they won't get caught and citizens assume they were reported, when the company may not report until after 30 days. I have been attacked since XXXX. Their error stopped me from getting a XXXX XXXX  among other things and I lost everything. Three times in the past 3 months there was a paid account from XXXX  they put back on my credit knowing that I had paid it. To tell you the truth my score should be XXXX by now. It has taken me years to fix things because they will refuse to change things even when you have proof. I feel targeted and discriminated against. The latest issue was a few days ago when They deducted XXXX points for late payment. I contacted the Company they said reported me because we are under a written agreement. I have an email that states they did not report me. My XXXX XXXX  was being misused by a charity and XXXX decided to prevent further fraud to void the card and order me a new one. So I made arrangements and provided the business with proof that the money was in my account but I have to wait on the card. The company agreed for me to pay next XXXX. The next day I was XXXX. They even allowed a XXXX XXXX XXXX to submit an eviction that had no court order. The Owner lied and resubmitted his false evictions to claim us for XXXX to get money from the government when he no longer owns the property. I showed the XXXX XXXX proof of this and they did nothing. I have provided the company email stating they did not report me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX   XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX
Product: Credit card or prepaid card

I am resubmitting a complaint which relates to a previous complaint that was filed ( XXXX ) and closed without any contact with me ( from cfpb ) regarding the resolution of the problem. 

When my initial complaint was filed regarding my inability to make multiple payments from different accounts, I was contacted by someone from Barclay that stated they would look into the matter. I was in fact able to make multiple payments once again ( only over the phone ) from different accounts for a couple months. Last month, when making payments over the phone I was unable to do so and had to schedule payments over the course of multiple days since they only allow two payments a day. By not being able to pay my balance in full on the due date, it caused me to incur interest charges which I don't feel I am responsible for since their system is not allowing me to pay in full. When this happened previously, Barclay waived the interest fees. I have not spoken to them for the current charges as of yet. Either way, I don't have time to waste every month dealing with this issue. 

I would appreciate if this problem with making payment can be resolved once and for all. I would also appreciate if the cfpb does not close out a case without speaking to the complainant first.
Product: Vehicle loan or lease

Account # XXXX I called Bridgecrest on XX/XX/21 talked with XXXX. I advised her that I am now going to start collecting a pension. It gets paid at the end of the month. Today I called Bridgecrest XXXX told me that they weren't interested in helping me. He kept insisting he had to give me information whatever the XXXX that was. Bridgecrest has not helped during this pandemic that through a lot of people out of work including me. I was able to make the payment while I was receiving the extended unemployment but XXXX. XXXX cut that off. Luckily I turned XXXX and I am receiving a small pension at the end of the month. Bridgecrest refused to help. They said the loan is charged off and they weren't interested in renegotiation or helping out. They are refusing to give me a new loan, they refusing to help even thought I told them them about the pension. They did not notify me of anything. 
even though I told them they still went ahead with the charge off. I received no paperwork, no notice nothing. I really resent how this company is treating a senior citizen. I am sick of this XXXX. I am tired of the abuse that borrowers ' get from lenders. Abusing an old woman is not nice at all. I am honestly sick of this.