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

In accordance with the Fair Credit Reporting act.This company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number XXXX 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.

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

15 U.S.C 1681s 2 ( 1 ) ( A ) A prerson 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: Money transfer, virtual currency, or money service

Paypal close my account for no reason and not helping.me to getting to back up.im.not surr if this is some mistake as assume it has to be im not be able to get help from them for a months.but its just remembered i can file a report on here as i feel.they not doing ther job properly and its effecting me a great deal as i used paypal quite.my email link to paypal.is XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date Of XXXX XX/XX/XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for the mortgage my bank used a credit report from Equifax. Out of three reports Equifax gave me the lowest score. It resulted in my mortgage interest rate being increased from 4 % to 4.125 %. The report contained the error : there was a credit card listed for which i was not responsible. Note that other agencies did not have that card listed. The complaint was submitted by me and by XXXX ( the issuer of the card ). My complaints were submitted through equifax website. I have also contacted to the manager and they assured me that once investigation is over i will get an email with the result ( we 've agreed on email because it is faster, my mortgage 's closing date is approaching ). I need the official result from equifax to demand my bank to change interest rate on my mortgage. Another problem i have is that Equifax would not allow me to send any information via mail or email. The only way to file a complaint ( as it states on their website ) is over the phone. It is done so that the individual does not have any proofs about the matter.
Product: Vehicle loan or lease

I leased a vehicle for 3 years. I paid every month by the due date. My report shows that I was 30 days late on XXXX 2012. I paid {$370.00} every month for 36 months. I did not miss a payment. I would like to dispute that I was 30 days late on XXXX 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has several inaccuracies on their credit report, and has no method of correction. When you select to dispute online, you receive the message copied below. When you dial the phone number, there are no options to address the dispute and you are unable to speak with anyone. 

Inaccurate information includes : invalid name, invalid address, invalid phone number The invalid address is associated with a collection account to which I have no association. 

Notice received when attempting to dispute information : This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX.
Product: Credit card or prepaid card

I currently have a complaint open with CFPB XXXX. I am adding to that complaint. The money in the complaint was taken out on XX/XX/2023 and paid back on XX/XX/2023 as instructed in the complaint previously filed. I am now being charged interest. On XX/XX/2023 they charged me {$25.00} interest. I don't know what that is for. The only amount on that account is {$240.00} cash advance fee they charged, and they didn't tell me about. How do I get this resolved? This is causing stress and anxiety.
Product: Credit reporting or other personal consumer reports

I submitted disputes onXX/XX/XXXX, and the results were returned to me about 2-3 weeks later, on or around XX/XX/XXXX, and no changes were made and the information on my report with these XX/XX/XXXXagencies remained inaccurate and impaired my ability to use my credit for personal use given the inaccuracies in their reporting, which companies rely upon for making decisions related to my name based on credit. 

Specifically, I disputed multiple errors on my credit report through XXXX credit reporting agencies : Experian, XXXX, and XXXX. When I checked the status of my dispute on the websites portal, I was advised these companies investigated and returned with the results 15-16 days after my dispute was made. I checked to see if anything was changed, but there were no changes. The disputed information remained on my credit report. The disputed information included incorrect addresses and contact information and incorrect records of payment to the account when active and payments in full that were made to the account but not correctly reported by these agencies. This has significantly adversely affected my ability to use my credit as various inaccuracies remain on my report despite my disputes, and this has continuously prevented an accurate reporting of my credit to companies for my private use. I have been denied applications for credit that are directly based upon these agencies inaccurate and defective reporting of my credit history. These accounts need to be updated accordingly and inaccuracies removed so I can proceed with my life. 

Now all of a sudden, the dispute investigation results and information are no longer visible on my Experian portal as though the company is trying to hide this information which demonstrates the continued bad faith and fraudulent conduct of these companies. Fortunately, I still have some of these emails which document my requests and communication from the reporting agency.
Product: Payday loan, title loan, or personal loan

The account has been completely paid, and I possess all the necessary documentation as evidence. Nevertheless, the company is inaccurately reporting this on my credit report. I seek assistance in investigating and resolving this matter promptly, as I simply want to move forward with my life and put this issue behind me. I can readily provide all the required documentation for further examination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill on time with this credit company but sometimes its a day late or so but never 30 days late. I have a specialty card that i never use so i rely on getting notified of my bill when i have a payment since i go months without using it. I know that i paid every bill that i ever got. I never got a bill or a phone call. i recently tried to get a home loan and i noticed that they have a late payments reporting on my credit report from years ago and it is damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have gotten nowhere. Thanks
Product: Debt collection

In late XXXX XXXX of XXXX. I received a notice of collection from Frost-Arnett Co XXXX The notice was regarding a medical bill from XXXX XXXX, in the amount of {$210.00}. I called Frost-Arnett in XXXX to resolve this debt. I was informed that my balance was no longer {$210.00} and it would only be {$100.00} to resolve this, since Frost-Arnett took over the debt from XXXX XXXX XXXX I was told that the payment could be made online, and was directed to do so at XXXX. I paid the balance of {$100.00} on XX/XX/XXXX, received a reference number for proof, and a balance of {$0.00} on the website. However, in late XXXX XXXX, Frost-Arnett still reported this balance to my credit report, resulting in a XXXX point drop in my score. I immediately disputed via my credit bureau. Upon speaking with representatives at Frost-Arnett, they admitted that some sort of misstep or mistake was made, and they released incorrect information to my credit report. Showing the debt still owed. I was told by Frost-Arnett that theyd become aware of the issue on XX/XX/XXXX and that it should take up to 30 days to remove the mistake from my credit report. 30 days is a long time when youre trying to find a home. I was given a control number and told that I could try to give this to the credit bureaus, In hopes that it will expedite the removal of their mistake on my credit report. Im contacting you for any further assistance that may be provided. Thank you in advance.
Product: Mortgage

I refinanced with Ditech to make my mortgage affordable. My payment was reduced to about {$1100.00} a month on or about XX/XX/XXXX. Shortly after I was notified that I had an Escrow surplus due to insurance or taxes in the amount of {$1200.00} or so and subsequently a check was mailed to me. To be sure I would not have to repay at a later date due to a mistake on the part of Ditech, I called and was 100 % assured that there was no mistake and that I would not have to be concerned with repayment at a later date due to any mistakes, etc.

In XX/XX/XXXX, without a notice, my escrow and subsequently my mortgage payment increased to {$1200.00}, about {$120.00} a month increase. I tried to rectify this with Ditech, citing it as a bank error. Ditech 's reply was that they are bound by law to send an escrow surplus to the borrower and that I just have to pay it back over a 12 month period.

1. I was not notified of the increase. Auto draft just appeared in my bank account.

2. I have paid the amount of {$1200.00} in protest and have discussed it with Ditech.

3. Ditech will not absorb the amount in light of this situation My question is can a mortgage company do this? Because it is a hardship to pay {$120.00} additional/month I have requested that the amount, after paying 2 months thus far in the amount of {$1200.00}, that the remaining amount be stretched out into 36 payments to make it affordable. That has not been decided yet, but will be in 3 to 5 business days from now, XX/XX/XXXX. I am asking for this payment arrangement, but I still want to know if I have a legal leg to stand on. At the very least Ditech should be bound to explaining this when handing out a surplus check so that the borrower has the option to put the check aside while waiting to see if it actually a surplus. And second, at the very least Ditech should have the common decentcy to notify a borrower when they are increasing a mortgage payment {$120.00} a month. They did not. If the lending laws are on the side of Ditech, it is a shame. I did everything in good faith, including calling them to make sure the escrow surplus check was mine to keep, and was assured it was. I consider this a bank error. But I am not familiar with such laws governing this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion my identity theft information on XX/XX/22 they responded stating they are waiting on the companies to respond which can take 60 days. The Law stat that credit reporting agencies have to block all information reported within 4 business if the consumer identifies information that is a result of identity theft 15 U.S. Code 1681c2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. The information is still reporting on my report. Please erase and block fraudulent information.
Product: Debt collection

RS Clark and Associate placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with RS Clark and Associate. According to 15 USC 1692J-RS Clark and Associate is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice
Product: Debt collection

My credit report is showing XXXX XXXX XXXX ( XXXX XXXX apartments ) is reporting fraudulent information on my credit report. This account is preventing me from fair housing. Why should I be homeless because of this harmful information. The address that they have on file is not my address.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days 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

XXXX XXXX  has stated again that the information on my account XXXX XXXXXXXX is correct but they are wrong because I have sent them proof of payment of my Insurance along with the Declaration Pages. Both XXXX and XXXX XXXX mortgage have fraudulently tried to take more money from me on an Investment property through Escrow that is more than three times the price of the insurance that I pay for the property. I want XXXX XXXX  to erase the Escrow immediately before I am forced to file a lawsuit against the company including criminal charges of fraud. As you can see from the paperwork including my refinancing of the property in XXXX, that the insurance was paid every year
Product: Mortgage

I am writing to file a formal complaint against my mortgage servicer, XXXX by LoanCare, regarding their mishandling of my FHA loan forbearance request and their failure to provide accurate and timely information about my account. These actions have put me at risk of foreclosure and caused me to miss opportunities for federal relief programs. 
Details of My Complaint XXXX. Initial Forbearance Request and Lack of Communication : o In XX/XX/XXXX, I requested forbearance on my FHA-backed mortgage loan due to financial hardship caused by unemployment. The servicer granted the forbearance but failed to provide any details about the terms, duration, or repayment requirements despite my repeated inquiries. 
o I contacted the servicer multiple times between XX/XX/XXXX and XX/XX/XXXX seeking clarification. Each time, I was told no details could be provided until the forbearance expired. 
XXXX. Failure to Provide Requested Documentation : o In addition to phone calls, I submitted a formal request for the terms of the forbearance via the servicer 's web customer portal. 
o I received an email confirmation that my request was received, yet no documentation or details about the forbearance terms have been provided to date. 
XXXX. Ambiguity and Conflicting Instructions : o In XX/XX/XXXX, the servicer informed me to call back in early XXXX for details on my forbearance. When I did, they instructed me to submit an updated application to continue the forbearance. I complied with their instructions and submitted the updated application promptly. 
XXXX. Sudden Demand for Payment : o In XX/XX/XXXX, I was informed that the total past-due amount of approximately {$17000.00} would be due in full by the end of XX/XX/XXXX or foreclosure proceedings would begin. This was the first time I received any concrete information about my repayment obligations. 
XXXX. Failure to Refer My Case to FHA COVID-19 Relief Programs : o During my most recent call, I inquired whether my case had been submitted to any FHA-backed COVID-19 relief options. The servicer stated they could not provide that information. 
o I contacted the Federal Housing Administration ( FHA ) directly, and they confirmed that no referral for relief options was ever submitted on my behalf by my servicer. 
o I learned that the application deadline for Maryland 's FHA COVID-19 relief programs was XX/XX/XXXX. Due to the servicers failure to act or inform me, I am now unable to qualify for relief options that could have helped me avoid foreclosure.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX  - {$8800.00} NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XX/XX/XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My credit score has been XXXX for a long time. During this time, I have had only 2 open accounts, a credit age of 6 years, and a poor credit card use of 88 % ( a XXXX XXXX card ). I also had no hard inquiries, no derogatory reports, and my payment history is 100 %. I had a XXXX with all of this information. 

In early XXXX, I had to put {$200.00} on my XXXX XXXX card because my bank card expired and I needed to pay my dentist. I knew I would take a hit on my credit score and I saw that it went down from XXXX to XXXX on XX/XX/XXXX. On XXXX XXXX, it listed the reason for the hit as the credit card balance, but I expected this. So I made an extra {$300.00} payment on the card, expecting the score to go up a bit from XXXX in XXXX ( XXXX XXXX reports my score on the XXXX of each month ). On XX/XX/XXXX, I paid my car payment on time, as always, and that's the other account on my credit score. Nothing about my credit history has changed. 

Yesterday, I was shocked when I saw that on the very day, XX/XX/XXXX, my score went down another XXXX points from XXXX to XXXX. Again, nothing on my account has changed and I have already been punished for the XXXX XXXX issue ( XXXX to XXXX ). I had a XXXX with all my information just the way it is now. I have spoken to two representatives at Transunion over the last two days, and they won't or can't tell me what about my account changed to warrant them dropping my score an extra XXXX points. One told me maybe it's because I only have 2 open accounts, but this never stopped my score from being XXXX. 

I'm hoping you will help me find out who was responsible for the giant drop when the score already dropped XXXX points because of the credit card. The company representatives don't know so why did they do it? And what is to stop them from lowering my score XXXX points whenever they want to? 

Thank you, XXXX XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.