23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I HAVE A MORTGAGE WITH UNITED WHOLESALE MORTGAGE... I DID MISS A PAYMENT IN XXXX XXXX OF {$720.00}, AND BEEN MAKING OVER PAYMENYS EACH MONTH SINCE THEN WITH WRITTEN INSTRUCTIONS TO APPLY THE EXCESS FUNDS DIRECTLY TOWARD MY MISSED XXXX PAYMENT EACH MONTH..THEY SAY NO THEY ARE PUTTING IT INTO WHAT THEY CALL A APPLIED FUNDS ACCOUNT NOT TOWARDS THE MISSED XXXX PAYMENT. SINCE XXXX EVERY MONTH THEY KEEP CHARGING ME A NEW LATE CHARGE EVERY MONTH.. I WAS ON THE PHONE WITH THEM YESTERDAY AND THE LADY SAID THEY RECEIVED XXXX PAYMENTS MID MONTH FOR OVER {$700.00} FROM ME AND ON XXXX XXXX I SENT A PAYMENT OF XXXX THEY SAY I STILL OWE THEM A PAYMENT FOR.. {$78.00}, THEY SAID FOR ESCROW, INCREASED TAXES AN HOME INSURANCE INCREASES... I TOLD THEM NEITHER XXXX XXXX HAS EVER NOTIFIED ME OF A INCREASE IN POROPERTY TAXES OR MY HOME XXXX. XXXX NOTIFIED ME OF A INCREASE OF XXXX PREMIUMS... I SAID I THINK I SMELL SOME EMBEZELMENT HERE THEY HUNG UP ON ME,
Product: Credit card

This credit card started out as just a " store '' card at BJ 's XXXX XXXX. It eventually grew to more in order to save money at the gas pumps and get better rewards programs. My husband and I have not been able to work. I have been out of work due to medical issues and XXXX helped to put an end to my husbands return to work. He is XXXX and diagnosed with XXXX XXXX, he can not do the same thing he did 10 years ago. We are drowning in debt. We get SS and XXXX but that no longer covers the bills. We are going to have to choice what utilities we want turned off because we cant pay them all. We have had to pay home repairs, car issues, all the bills /utilities have gone up. I think that is pretty much the case for many people. BJ '' S/ Capital One has increased the percent of credit 6 times in the last year. It seems like every time the balance get increased for what ever reason, the rate goes up. It started at XXXX and is now at XXXX. My minimum payment was around the {$230.00} range but then around XXXX it starting it increasing, of course due to the increase in interest rate. I have called them and written them but they say that they are " unable to lower the annual percentage rates ''. There explanation for that is a bit confusing to me " We determine the different fees and rates for each of our products depending on the services we include and the markets where we offer them. We continually review our rates to asses their competitiveness '' Exactly what " products '' are they referring to. We are all aware of the price increases all over in our country, if the credit card company 's increase their interest rates along with the cost of the products we buy, such as groceries ... ..... I will not be the only one hitting bottom. I literally have NO money right now. We have about {$40.00} between us. Checking accounts are at {$20.00} or so. When our SS checks come it I pay what bills I can, but I still need some spending, for gas, groceries, whatever. I have applied at our local Social Services and received a HEAP payment but that was a one time credit. I have not been approved for anything else. These rates are going to bury us, I just dont know what to do. The {$360.00} current interests fee makes me sick. The minimum payment of over {$500.00} is impossible for us to do so I am sure other fees are ( late fee, min payment not met, etc ) going to be added with will only increase the balance and from what they have told me there is no cap on rates they can charge, so I am sure that annual interest rate will continue to rise. We will not recover from this. Is there anything you can do to help us? Thank you for your review and time.
Product: Mortgage

Community has refused to respond to my ltr XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX i sent my affedavit to the credit bureaus and by XXXX XXXX i got a response that it was verified as mines. notices from transunion and XXXX. but i know under FCRA rules that investigation wasnt reasonable, and my affadavit was not forwarded to XXXX XXXX. so now XXXX vary confused as to what to do next. i cant be responsible for something thats not mines.
Product: Debt collection

Since XX/XX/XXXX Credence Resource Management frequently harassed me in attempt to collect an alleged phone bill debt I owed. I asked them to verify the debt, they ignored the dispute letters I sent and reasserted their claim I owed {$690.00} on my XXXX credit report. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XX/XX/XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report derogatory information on my XXXX credit report. Given that Credence Resource Management acted in bad faith, and have not complied with federal and state laws, I told them I will seek damages against Credence Resource Management seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$75.00} XXXX   XXXX {$250.00} XXXX XXXX XXXX {$360.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX from XXXX XXXX in XXXX MT. I put {$20000.00} down & because I live a responsible life, I have not borrowed anything in many years. My credit score was XXXX w no history. They approved me @ 16 %. I agreed knowing I needed a few weeks to get the $ to pay the loan off. The 1st pymnt coupon was sent w the wrong address, but eventually making it. 
The pymnt is due XX/XX/2020 for {$610.00}, the principal balance was {$28000.00} & as of this statement dated XX/XX/2020 the payoff was {$28000.00}. 

I called today XX/XX/2020, was told the payoff was {$28000.00}. 

That is {$680.00} in interest before the 1st paymnt due date & {$480.00} over the statement amounts. I called the finance dept @ XXXX 3 times & a sales manager, waited on hold 15 minutes w no answer. Contacted my salesman, promising me a return call from a manager w no call yet. 

I called Chrysler Capital asking for a detailed breakdown & they were unable to provide. Please help. My account # at Chrysler is XXXX
Product: Debt collection

RentDebt Automated Collections - XXXX - XX/XX/XXXX Opened- I am requesting that this tradeline be removed from all three of my credit reports. Back in XX/XX/XXXX, I moved into XXXX XXXX  XXXX XXXX. In XX/XX/XXXX, I put in my 60 days notice to the property after hearing about break ins at the property. ( XX/XX/XXXX ). During my transition in XX/XX/XXXX, I returned to my property at XXXX and confirmed that my unit was broken into. My unit was next door to the leasing office ( gated community, but access to units on the sides of gates for non-residents to enter ). I filed a police report with XXXX XXXX Police Department ( Case # XXXX XX/XX/XXXX ) and notified the property. I was advised that no balance was due after me submitting my 60 day notice, along with moving for safety after my property was destroyed and items were stolen. I was later contacted by RDAC regarding a debt owed to the property that they were collecting on. I received no documentation or proof of this debt being owed. The collector is trying to collect on a company that is permanently closed, shortly after the multiple break ins that took place after mine. This account continues to be on my reports after many years. Ive been told by agents that if paid, it will be removed, but no proof of pay to delete when requested. Small payments were applied after confirming they would settle for what was paid within the 30 days and no deletion of the trade line. The account reflects as OPEN and reports as Collection monthly. I contacted the management company that purchased XXXX XXXX  XXXX XXXX  ( XXXX XXXX, purchased in XX/XX/XXXX ) and had no knowledge of the company or debt. I also reached out to the new company of the address ( XXXX XXXX XXXX XXXX ) and they also have no knowledge of the company or debt.
Product: Checking or savings account

I am trying to link my checking account to my XXXX  and it says I need to contact my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. 

Additionally, please send me an updated copy of my credit report after your reinvestigation. 


Account Name : XXXX XXXX XXXX. 
Account Number : XXXX
Product: Bank account or service

I have a small loan with Bank of America. I have just moved, which they know, and in the confusion of the move and getting settled I missed XXXX payments. B of A, without any authorization, removed monies first from an old bank account ( {$130.00} ) that had not been active in 6 months and when that was rejected they, went to my new local bank account and charged that for {$250.00}. I have since closed these accounts and will going, forward only pay B of A in cash. I called your office and was advised that B of A 's actions were not legal. Hence I am filing this claim asking that B of A be stopped from doing actions like this in the future. To add insult to injury B of A they have charged me a {$27.00} " check returned fee ''. They return of these fees is the only compensation I am looking for. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has filed federal lawsuits on behalf of several consumers who have been unable to correct credit reporting entries that were either erroneous or the result of identity theft. 
The accounts listed below were open due to Fraud and you company has been doing improper investigation on the consumer behalf. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me. 

I expect to receive proof requested above, within 10 days from the date of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company, business or bank for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.

These include : Not notifying me of investigation status not, Not correcting Fraudulent info, and reporting fraudulent information on credit reports. 
REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY. 

XXXX XXXX  XXXX XXXXClosed Closed on XXXX XXXX, XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXXClosed Closed on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

Requested resolution : I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

This collection company continues to harass me and report negatively on my credit about an adverse account that does not belong to me. I sent a dispute about this erroneous account over 60 days ago and they still have not sent any response, no validation. Yet, they continue to report this error on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting inaccurate information on my credit reports, I've tried to speak with the creditors and disputed with the credit bureaus to no avail. Can you please assist me in getting these inaccurately reporting accounts removed from my credit reports. Credit reports are required to be certifiably compliant with the Metro 2 standard of reporting any deficiency in reporting nullifies the reporting privilege and those deficient accounts are required to be removed. 

The following accounts are reporting inaccurately, please remove them immediately 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

I tried to log into XXXX XXXX to see all three fico scores and they told me TRANSUNION HAS INCORRECT ADDRESS INFO. I try to log into Transunion giving my current address and Transunion says I can not log in due to incorrect address. Transunion has my correct address. Both Transunion and many other online credit services are telling me there is an address problem. So I created a new account with Transunion was able to get in but the screen to dispute is frozen. I have been trying for 3 days. Also my credit reports have two different middle initials for me and the correct initial is E NOT G
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I submitted a complaint to the CFPB portal ( complaint # XXXX ) regarding the following accounts : XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX  - Account # : XXXX and on or about XX/XX/year>, TransUnion responded back to me on the CFPB Portal that these accounts were verified, which is more than XXXX  days after the initial dispute submission, additionally failed to provide the results with XXXX  days of the reinvestigation
Product: Debt collection

I did call them this bill is years old and was never notified I even went so far try verifying that the dates were not even close to any doctor appointments this is someone else 's bill and crossed with mine
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the XXXX 's recent administrative proceeding ( File No. XXXX against XXXX for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I filed a report at the government website, identitytheft gov and i sent it to the bureaus. my credit report had fraudulent accounts. The accounts where removed, but a few weeks later they where placed back again. I filed another report at the goverment website. i also was made aware that my information was leaked during an equifax data breach.
Product: Credit card or prepaid card

XXXXComenity Bank XX/XX/XXXX i paid remaining balance of {$63.00} and instructed them to clpse my account. 
I was then charged a {$29.00} fee XX/XX/XXXX I paid that fee I was then charged an additional {$40.00} every month stating late fee and interest and finance charge on top of that.To date I have made NO purchases. I closed the account XX/XX/XXXX They are now stating I owe more than {$300.00} I have stated several times that the account was closed in XX/XX/XXXX by calling and emailing them. My most recent response was someone from XXXX XXXX saying they are handling this account and I owe the money. This is fraud
Product: Credit reporting

I am filing this Complaint against Equifax. Equifax is listing unverified information on my credit report. Equifax is also listing information on my credit reported that was deleted. Equifax has also ignored my requests and failed to provide me with the documents or copies of the documents that they used to verify the accounts I disputed. Equifax has committed multiple violations of the Fair Credit Reporting Act. It has gone past the 30 Day mark given, by the Fair Credit Reporting Act. These unverified accounts are supposed to automatically be removed.
Product: Debt collection

In XXXX, Hiday and Ricke took over account for XXXX XXXX XXXX XXXX. I was a co-signer on an auto loan back in XXXX. After numerous harassing calls and letters, I explained that I am a single mother of two and i didnt have any involvement in the other party defaulting on the loan. I made arrangements to make monthly payments which I did. However, the company then proceeded to file to have a judgement entered against me for more than XXXX. The company also filed a writ of garnishment against the other party for more than $ XXXXmonth. After not being contacted since XXXX, my employer was served a writ of garnishment last week. I was in no way contacted or notified of this prior to them filing. When I contacted XXXX XXXX, the Garnishment Agent, I was advised that my employer had already been served and that I would need to fill out a financial form for them to consider adjusting the garnishment. The financial affidavit that was attached is extremely invasive. In addition to household expenses, it also asks for bank account information to include savings, checking and routing number. When I submitted the form, no one bothered to respond. Nor was I given an opportunity to file an exemption form or to set up a payment arrangement. The company is using an address I have not resided at in 2 years. When I made attempts to call and email, I did not receive any response. The garnishment is withholding XXXX % of my income per pay period which is over {$300.00}. I am a single mother of two children and I do not receive any additional assistance. This is immensely frustrating and it greatly impacts my ability to provide for my children. I do not understand how anyone could justify withholding % XXXX of someones earnings every pay period in the midst of a pandemic when financial instability is at an all time high. I have sought legal action in this matter. I have the notice to defendant that was filed with the court for documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following collection account and hard inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized, not mine, and dont belong to me : XXXX XXXX XXXX XXXX XX/XX/2018and XXXX XX/XX/2018. I filed a police report with the XXXX  County Sheriff s Office in regards to the fraudulent collection account and 2 hard inquiries. The police report case number is : XXXX. I been receiving harassing and threatening phone calls of profane language, threats of arrest and prison. XXXX XXXX is in total violation of The Fair Debt Collection Practices Act ( DCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCT NAME : XXXX XXXX ACCT NUMBER : XXXX in accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A., It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

On XXXX XXXX, 2015 I received a Chase mobile text stating I was below my normal funds. I went into my banking branch at XXXX XXXX XXXX where I presented both my id and debit card. I wrote and signed affidavits for unauthorized signature or transaction papers for amounts totaling XXXX. The bank allowed the thiefs to make XXXX different transactions at XXXX different banks in one day. And not once contacted me about this irregular activity on my account. Th