23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I originally had a mortgage through XXXXXXXX XXXX  which was never paid late. Then on XX/XX/2018 I was shot which I was in XXXX  in the hospital for over a month. This caused me to have a hardship and have to put my payment on forbearance/dererment. The loan was transferred to XXXXXXXX XXXX  and then to XXXXXXXX XXXX XXXX XXXXXXXX rejected our application to be on deferment. And instead of adding all the late payments to the end of the loan they marked late payments all across all three mortgage companies. By the time it was transferred it left negative late payment remarks on my XXXX, XXXX and XXXX credit reports as late payments past 120 days. XXXXXXXX XXXX apologized and removed the late payments. But XXXX and XXXX have not. We have hired credit repair companies for the last two years. We have messaged and called each credit bureau and mortgage company to try and get these removed but have had no luck. We are ready to move past this incident and be able to buy or build our dream home but can't with this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 student loan accounts and its showing up as 4 student loan account on my credit report. I have tried to dispute this numerous times but they havent fixed the problem as yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the inaccurate and erroneous information that has been reported on my credit report by your credit bureau. I am requesting that you correct this information as soon as possible. Upon reviewing my credit report, I have noticed that the information reported is incomplete, inaccurate, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws. Specifically, the following information reported on my credit report is disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$340.00}. As a result of the inaccurate and incomplete information reported on my credit report, I have suffered significant financial harm, including denial of credit, employment opportunities, and higher interest rates on loans and credit products. Under the FCRA, I have the right to have accurate and complete information reported on my credit report. Your bureau has a duty to investigate and correct any inaccurate or incomplete information within 30 days of receiving a dispute notice.
Product: Mortgage

Freedom Mortgage Corporation is not following HUD guidance on the Corona-19 mortgage forbearance. They are requiring 6 pages of documentation and are only offering a 3 month forbearance on an FHA loan with the full amount due at the end of the period. This is on XXXX despite the order coming down on XXXX. After waiting on hold for 45 minutes at the suggestion of the HUD which states the program is available at all FHA servicers, Freedom explains that they do not offer that program.
Product: Consumer Loan

I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.
Product: Checking or savings account

On XXXX XXXX at XXXX XXXX  I received an email stating my account is closed. I immediately called customer service to request information. I was told due to security reasons they could not provide me with information but to check their policies for account cancellations. I asked about the funds in my account one representative stated 10 business days and two other representatives stated I would not receive my funds. The account had a balance of {$2900.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15 U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was under a special promotion with XXXX XXXX XXXX that was going to end XXXX qtr 2021. I contacted XXXX about obtaining another promotion and was offered a promotion by their representative. When next months bill came, they charged me full price of over {$100.00} for the month. I told them I was currently only paying {$67.00} total now and that I was offered a reduced rate by their agent and they should honor the rate. I told them was not willing to pay more and they could cancel the service if they were not going to honor the rate. They told me XXXX would not honor the rate quoted but they would give me a gift catd and some other rate. I again told them no, I didnt want it. I contacted the office of the president to complain about the tactics being used. The office looked into it and said the agent made a mistake, but they would give me a gift card. I told them no, not interested. Then they sent me a bill saying my service was never disconnected and I over over {$100.00} per month, thus the {$300.00} collection. I told them ai cancelled months ago and if I didnt wantXXXXto pay {$67.00} and a gift card, what in the name would make them think I instead would pay over {$100.00}. XXXX  has bad customer service and they are wanting me to pay for their agents mistakes. I do not owe a XXXX thing to XXXX and since they have a gift card they kept trying to give me, tell them to us that to pay for the fact that no one disconnected service after I told them too!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settledXXXX XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Consumer Loan

1. Dealer 's APR calculations appear to be understated. Interest is computed on a daily basis for an auto loan but 2. The contract appears deceptive because it is called a GMAC ( ALLY ) Flexible Finance Plan but there is no flexibility offered to the borrowers. 
3. An investigation will show that the car dealer, XXXX XXXX, processed one contract at the requested simple interest rate and then deceptively said a " mistake '' was made after my signing and another contract needed to be printed but the second contract 's interest rate was based on a daily computation rather than simple annual interest. 
4. In retrospect, I believe I was charged an unfair and highly marked-up interest rate because I am XXXX, especially because of the consent agreement Ally entered into with the federal government.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belongs to me. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with Mohela in XX/XX/2023 about a loan taken out in my name that I did NOT take out or receive any money. They then decided to give the person ( s ) another lone in XXXX. I have tried to call. I file a complaint. No acknowledgement from Mohela or the XXXX XXXX  regarding the documentation. 

Mohela Acct # XXXX XXXX XXXX XX/XX/2023 {$2600.00} XX/XX/2023 {$4900.00} I do NOT has any XXXX attending school in Arizona. 
I have NEVER applied for student loans for either myself or any of my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been used to fraudulently open personal loans and credit cards without my knowledge. These companies use soft pull to check for mortgages on your credit. I never had a mortgage before. Me and my father share the same exact name and Im a XXXXXXXX
Product: Debt collection

I am writing to express my deep concern regarding the unresolved inaccuracies on my personal credit profile. Despite my repeated requests, there has been no satisfactory response from your end. XXXX XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I always make my payments on time even during the pandemic, even when I struggle financially. I understand the importance of maintaining a good credit score and report, I understand that it's my reputation and my name and allows me to act in the business field, and take actions that are the right ones for me. Obligations that may lead me to results that can develop my business or even purchase houses and use my rights to take the right actions I wish to.BMW Financials has made a mistake in reporting a late payment- they had a mistake with charging the wrong account- an account that was closed, the payment has been returned and there was no notification about a payment that has been returned, nor notified us that they intend to report to the credit Bureau on a late payment! 
I called BMW Financial right away, since I know we made this payment already! and found out, that by accident they tried to charge an account that was never used before for this car- XXXX XXXX XXXX account, which was closed due to a fraud claim in the past. We logged during XX/XX/XXXX different times, in different days and there was no payment due for XXXX. XX/XX/XXXX we noticed that 2 payments had to be made, we called them and they claimed that no payment was processed during XXXX and notified us that the payment has been returned. 
I asked BMW : why no one sent us an email, called, and why is did not appear on their website that the payment was due? They claimed that they called- when I asked to which phone number, they said that they don't have that information. 
They accidentally charged the wrong bank account and now, it affected my credit and XXXX XXXX XXXX credit. 
It seems like the are careless about reporting and negligently reporting late payments of the clients. After almost 3 years of payment that has been paid by an autopay!!!
Product: Mortgage

the mortgage was taken over from another company who allowed us to make advanced and partial payments, M & T has allowed, it, but then they have been holding the funds and not applying them when they are received. therefore not giving us the interest reducing benefits of paying ahead of time. this misapplied payment procedure has cost us thousands in interest. that should be removed from the mortgage, as they hold our funds for weeks ( every month ) and then apply it. this has been going on for years since they took over the mortgage. we did not notice it at first, but then we asked them to apply the funds properly and to go back and fix what they had done and they refuse to, and they actual show the funds as unapplied on the statements. the attached examples reflect them holding funds and it it the same on every statement in between, month after month, year after year.
Product: Credit card or prepaid card

I was given an EDD Debit Card when I was approved for COVID-19 Unemployment. In XX/XX/XXXX, my benefits were stopped due to an issue with my claim which was appealed. At that time, i also discovered that fraudulent transactions occurred on my card in XX/XX/XXXX and sent a letter to Bank of America to dispute the fraudulent transactions. All of the fraudulent transactions on my card occurred in States outside of XXXX  when I was at home in XXXX XXXX at the time of each and every fraudulent transaction on my card. A copy of the letter that I wrote to Bank of America regarding the fraudulent transactions is attached. Bank of America wrote me a letter back stating that my fraud claim was denied in XX/XX/XXXX ( close to a year after I sent in the letter disputing the fraudulent transactions in XX/XX/XXXX ). I did not authorize anyone else to use my card and did not take place in any of the fraudulent transactions made on my card. 

In XX/XX/XXXX, I won my EDD Appeal and EDD sent me a new Debit Card to receive my benefits on. On XX/XX/XXXX, partial benefits in connection with my favorable appeal were sent to my EDD Debit Card. I was not able to activate my new EDD Debit Card so I called Bank of America and was told that EDD placed a hold on my debit card. I contacted EDD on XX/XX/XXXX, and was told that EDD did not place a block on my debit card. A copy of the secure email that I received from EDD explicitly stating that they placed no block on the card and to contact Bank of America is attached.
Product: Credit card or prepaid card

I was subjected to deceptive trade practices. I explained the situation in great detail and submitted evidence that the company was not following industry standards. 

Chase treated my inquiry as a billing error instead of deceptive trade practices prohibited by Virginia state law and proceeded to resolve the issue with the deception ignored.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I received an offer in the mail from TD Bank : Open a TD Convenience Checking account and earn {$150.00} when you receive direct deposits totaling {$500.00} or more within 90 days. Even though it was addressed to the former resident who hasnt lived at this address for 5 years, on XX/XX/XXXX I took the mailer to the local TD branch to see if I qualified to meet the requirements for the offer. I showed the bank rep ( I believe the persons name is XXXX XXXX ) the mailer, and after he did some research, he said that I qualified, so I opened an account and then set up direct deposit. After 90 days, I hadnt received the {$150.00}, so I called the bank. XXXX told me that it could take up to 125 days from account opening to receive the offer. On XX/XX/XXXX, I still hadnt received the {$150.00}, so I called the local bank and spoke to XXXX again. This time, she told me that since my wife once had an account with TD Bank, that I did not qualify for the offer. The person that had opened the account for me told me that I did qualify. It is not my responsibility to verify if I qualify for the offer ; it is theirs and they should perform their due diligence before telling me that I qualify.
Product: Credit reporting or other personal consumer reports

This is my 6th attempt to inform the credit bureaus that I am a victim of identity theft and to dispute certain records in my documents resulting from this crime. The documents in question are unrelated to any transactions involving goods, services, or money that I have made or authorized. Please remove any information in my credit report obtained through alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts with XXXX XXXX  and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With comenity doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....
Product: Money transfer, virtual currency, or money service

Account deactivated with funds inside account. Company is not releasing my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regards to the incorrect and inaccurate items that was reported on my credit report. I haven't had any response of some sort of result on some of my disputes. My first letter to the three major credit bureaus was on XX/XX/2021 and my second letter to dispute these inaccurate items was on XX/XX/2021. The balance amounts of these accounts are {$520.00}, {$290.00}, and {$390.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reinvestigation into dispute claim information on credit reports.
Product: Debt collection

I disputed this once and received a response from IC System stating this was to be removed from my credit entirely. After MULTIPLE attempts to fix this with XXXX XXXX XXXX, I have gotten no where with them to remove the tradeline entirely. See attached documentation - IC system responded to my complaint to remove it and I have the letter from IC system stating this is to be removed completely. XXXX XXXX XXXX have not removed this tradeline and absolutely will not accept or help me with the provided documentation. This was not my debt. This never should have been on my credit.
Product: Debt collection

COLLECTION BUREAU OF AMERICA ACCOUNT NO.  XXXX  is trying to collect for   XXXX   XXXX   AKA   XXXX   XXXX   XXXX   XXXX  .THE DEBT IS BASED ON FRAUD OF   XXXX   XXXX  .In early  2015  I ordered   XXXX   XXXX     at a local  XXXX  ; the service was sold to me at $   XXXX /mo.On  the very  1st  bill I discovered there were added surcharges and fees far in excess of the   XXXX   XXXX  /mo.   I h ad agreed to.I called the  company, we tried to have a meeting of the minds ... but they insisted on staying their ground and overcharge me what I  was sold..So I tol d them to come pick up their equipment..I do n't like being lied to when sold a service.We had  3 diff erent appointments at our home to pick up the equipment. XXXX  was a no-show all 3 times and now they fraudulently bill me as if they are selling me their equipment as well, that  XXXX  WO N'T COME GET ! It is stil l sitting at my house.   When I checked the Better Business Bureau It became obvious that this is a widespread financial fraud and that this is  XXXX / XXXX  pattern and practice to defraud holding the negative credit bureau reporting as leverage to extort monies not owed.THE DEBT APPEARS ON  XXXX ,  XXXX  AND  XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, we woke up to our vehicle being gone. We called the police thinking it was stolen. they were able to tell us it was repossessed. We were dumbfounded. Neither my husband or myself were notified by Suncoast Credit Union that our loan account was just {$660.00} dollars past due. No one at Suncoast notified us, although they stated they did. I have no messages in an email, on their app, phone calls, nothing. I wrote a letter, which I've attached, to their corporate office because we were embarrassed, we paid off the amount owed, plus a lot of repossession fees, that day, XX/XX/XXXX. I received a call from Suncoast Credit Union re : my letter. The Suncoast representative pretty much told me they didn't care. I will not have a loan with them going forward. We were less than {$1000.00} past due, they didn't let us know and we have bad credit due to this. Luckily, we were able to trade in and have the loan paid off on XX/XX/XXXX. This has never happened to either of us. They did not contact us and they should have. Especially over {$660.00}. I don't my believe my Credit should have such a low score due to something I didn't know about until it happened. and we paid it right away when we found out. Please consider this dispute, as Suncoast Credit Union really hurt our credit, humiliated us and never contacted us. I truly appreciate it. XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I went into Chase Bank at XXXX XXXX XXXX, XXXX, MD. I did a wire transfer for {$25000.00} USD, the Chase representative gave me all of the confirmation that they had everything they needed. The recipients Bank, XXXX XXXX XXXXXXXX, had rejected the wire, and sent the funds back to chase bank. Chase Bank lied to me saying XXXX  XXXX XXXX is holding the money, when really Chase Bank was holding the money. Now Chase has a {$25000.00} hold on my checking account, and won't return my money and are requesting additional information, in which they do not need, and never needed in the first place. I need the hold to drop off my account, and for Chase Bank to return the money back to my account. Chase Bank has been giving me the run around since XX/XX/XXXX, and won't return the money to my account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX