23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a loan modification with XXXX XXXX XXXX loan # XXXX effective XXXX XXXX, XXXX that I have been paying on for 5 years. My loan had been at the same interest rate and same payment for all these years and provides for an interest rate adjustment as of XXXX XXXX, XXXX. At that time, my payments which had been {$1400.00} were supposed to change to {$1400.00}. The breakdown for this payment is listed on the BAC statement date XXXX/XXXX/XXXX as follows : Principal and/or interest {$1100.00} Escrow payment : Tax {$310.00} Insurance {$54.00} Optional Products {$0.00} Buydown assistance {$0.00} This information was sent to me in writing from XXXX XXXX XXXX and is attached. 

I was notified this month that the loan servicing was being transferred to XXXX XXXX Processing with the new loan number XXXX. They called me today and told me that my new loan payment effective XXXX XXXX, would be {$1500.00}, an increase of almost {$100.00} for no reason. I told them this was the wrong amount, and they refused to acknowledge the last payment calculated by XXXX XXXX XXXX and change the amount to the proper payment.. Instead they tried to convince me that because of the interest rate change, the payment had gone up.. I tried to explain to them that the {$1400.00} reflected the interest rate change they were referring to but they refused to hear me. 

I called XXXX today and they told me that XXXX does not even have all the information about my account sent over yet and they should NOT be calling me with new payment information XXXX XXXX tells me this is done to try to exact higher payments from customers in advance of getting the information, which is illegal.! I belive that XXXX is acting fraudulently in trying to advise me that my payment amount is greater than it should be and they should be sanctioned. 

Nothing about my loan or escrow has changed since the XXXX XXXX escrow analysis. The loan payment calculated by XXXX for the loan modification I signed a contract with them for should be the payment amount due. 

I would appreciate any help in resolving this issue. Meanwhile I will make my payment of {$1400.00} to XXXX processing and I want them to mark it as CURRENT and PAID IN FULL until this is resolved and they properly update their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX received unauthorized inquiry on XXXX from Citi best buy.neber applied for credit here.ss # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - XXXX - XXXX, Experian XXXX, XXXX XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband
Product: Debt collection

CREDIT ACCEPTANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$10000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

On XX/XX/2024 a deposit containing 7 checks totaling {$6400.00} was flagged by bank and not deposited to my acct, even though the proper endorsement procedures were filed. 
Bank stated reason being " no DBA '' on the business acct. Bank said checks are being mailed back to me for reporcessing. 
While waiting for checks, went to bank ( not sure date ~Mar XXXX, 2024 ) and added DBA paperwork. 
XX/XX/XXXX no checks received, went to bank and was informed that deposit was never sent, but checks are in electronic inbox and will be processed for deposit within 10 business days - case # XXXX XX/XX/XXXX went to bank after not receiving deposit and was unable to resolve the issue, no one knew the status of case. Asked for other getting money back or checks mailed- was told they can't do it, but theyhey resubmitted case again with " urgency ''. 
XX/XX/XXXX deposit still not processed. 
Can't get the money processed, can't get the checks back.
Product: Mortgage

Mortgage was recently sold to Specialized Loan Servicing ( SLS ). Within 45 days of assuming the mortgage, payment in full was made to SLS. The mortgage was paid in full on XX/XX/2020. Immediately thereafter SLS was contacted regarding the return of escrow funds held by SLS, method of payment for the return of the escrow funds, and verification of the address where the funds were to be sent. SLS indicated that a check would be sent to the verified address no later than 15 days from the date of the payoff. In early XXXX I contacted SLS as I had not received payment nor I had I received any correspondence from SLS. I was told SLS had sent the refund check to the verified address on XX/XX/2020. I asked for tracking information and was told they could not provide any. In XXXX I again contacted SLS as I had not received the escrow refund. I was told a stop payment would be put on the original check and a new check would be sent out. On XX/XX/2020 I again contacted SLS as I still had not received the escrow refund check. During that conversation I was told that no stop payment had been placed on the XX/XX/2020 check and that no new check had been sent. I was told that a stop payment would be placed on the XX/XX/2020 check and a new check was being sent out that same day ( XX/XX/2020 ). I asked for the check to be sent via expedited shipping and was told that could not be done. I asked for verifiable tracking information and was told that could not be done. I asked for the amount to be sent via direct deposit and was told that could not be done. I again contacted SLS on XX/XX/2020 as no check was received to date. During the conversation on XX/XX/2020 I was told that a check was not sent on XX/XX/2020, but a check was sent on XX/XX/2020. I asked for verifiable tracking information and was told there was none. I asked for the amount to be directly deposited and was told that could not happen. At that time I advised SLS they were directly in violation of regulations regarding escrow funds to be returned within 20 days and that I was demanding a check be cut, sent over night, and tracking information be provided. SLS was told that if these conditions were not met I would be perusing legal action against them. SLS responded that they would not put a stop payment on the check unless it was at least 30 days old and that they would not send a new check let alone overnight one or provide tracking information. To date no refund check which has supposedly been sent three times has been received. At this time I feel legal action is my only recourse. SLS stated they did not care when told I would be seeking legal action against them.
Product: Debt collection

On XX/XX/XXXX I called Source Receivables regarding a paid collection account I had with XXXX. I spoke to a woman who would not tell me when this report would be removed from my credit report. She said it never comes off it just keeps updating. She said she was not a credit expert and had no knowledge of how or when this report would be removed from my credit report. She told me if I had paid it to begin with I would not be in this situation. I told her I thought collection reports fall off your credit report 7 years from the date of first delinquency with original creditor. She said she was not a credit expert and reiterated that it would just keep updating. I asked for her name and she said XXXX. I asked her to spell it and she said I should know how to spell it. I asked for her last name and she refused to give it to me. I asked for her managers name and she said XXXX XXXX. I asked to speak to XXXX XXXX and she said he was not available, however she put me on hold to have him unlock my account so she could view the details. All I want to know is when does this come off my report and who is responsible for making it do so. She was extremely rude and would not give me any information about an account I paid in full in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Credit Bureau I am submitting this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block information appearing on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within four business days of your receipt of this complaint. 

The following accounts are fraudulent, inaccurate, and were not opened by me : XXXX XXXX Opened : XX/XX/XXXX Balance : {$200.00} XXXX Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$510.00} These accounts have resulted in numerous fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize these accounts or collections as they were not opened, made, or initiated by me. All mentioned accounts and inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( private case number ) as proof that these accounts and collections are fraudulent. 

Please confirm receipt of this request and inform me of the actions taken regarding my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Credit Report Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for 5 years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah 2 years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that do not belong to me. I have attempted to resolve the issue but the companies won't respond. 

EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} - XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$620.00} - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$69.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00} EXPERIAN - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} - XXXX XX/XX/XXXX {$40.00} - XXXX XX/XX/XXXX {$130.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$620.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$69.00} - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$40.00}
Product: Credit reporting or other personal consumer reports

According to the IRS an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account : Account # XXXX CITIBANK , N.A . After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Money transfer, virtual currency, or money service

Hello To whom this may concern : My name is XXXX XXXX an active navy federal member whom has recently experienced a tragic situation with this company. 
I request to have my XXXX federal return direct deposited into my navy federal account, that was supposed to clear on XX/XX/XXXX unfortunately upon filing my return my account number was incorrectly recorded and was deposited into an account that is not associated with me. I reached out to the branch in XXXX Nc and was informed by a representative named XXXX to reach out to XXXX XXXX and have them submit a XXXXXXXX XXXX so that the funds could be reversed and returned to the IRS for an issuing of a paper check. That following Monday I did just so and was informed on the upcoming Wednesday that the request was denied due to no funds available. I returned to the branch on Friday of that same week and spoke to a XXXX whom escalated the matter to a supervisor and requested that the funds be retrieved and returned on my behalf to the IRS. I then got a phone call on Monday XX/XX/XXXX stating that the request was again denied due to non bank error. I then explained to the supervisor that contacted me in full detail she then stated that he would resubmit the request and try to push it through but was not sure because it was not a issue caused by the bank. I then got a call on XX/XX/XXXX from a XXXX stating she had no luck and I would need to contact the IRS and have them submit a non receipt form. 
At this point I am needing someone at NF to take ownership of their over site and correct this error as soon as possible. This whole ordeal has been extremely frustrating and has caused me to loose confidence in NF ability to protect my investments. 
Please feel free to contact me at ( XXXX ) XXXX As soon as possible to discuss further of a decision. Thank you for you time. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct number XXXX has violated my rights 15 U.s code 1662 It is illegal to require any downpayment and connection with the consumer credit transaction Rescind the transaction 15 usc 1635 Return of the money or property following recession
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three consumer reporting agencies are reporting false and inaccurate information on my credit report. I requested verification and received a response that an investigation was done and that the debts are verified. I never received proof of an investigation which I requested. The debts are still reporting inaccurately The accounts are XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done any type of business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX. The accounts are errors 623,611 609 FCRA and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a NEW UPDATED CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent XXXX dispute letters over the course of XXXX months to the reporting agency disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Checking or savings account

Opened a checking and savings account on XX/XX/22 with I promo code for a {$400.00} bonus for having XXXX direct deposits and a {$500.00} savings balance on the XXXX day. I completed the requirements and now theyre saying my payroll direct deposits dont qualify for the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit card so i can help my mom and I was denied. I checked my credit and its accounts on there I know nothing about. Please remove these from my credit Account with no name account # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX. Its inquiries as well that I again dont know where they come from 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. I have contacted the FTC and local police department.
Product: Credit reporting or other personal consumer reports

EXPERIAN responded to my dispute regarding the public record on my credit file. Experian statement that the information was verified is inaccurate. I personally contacted the court ( attached is their response ), and they explicitly informed me that they do not disclose information to credit reporting agencies. Therefore, it is impossible for you to have verified this information with the court directly. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611, you are required to report only verifiable and accurate information. Additionally, as part of my right to privacy under federal law, EXPERIAN must demonstrate that I granted permission for this information to be disclosed. I formally request that EXPERIAN provide me with documentation bearing my signature, granting authorization for this information to be reported.

If EXPERIAN can not produce such documentation or can not validate this information directly with the court, then this public record must be deleted from my credit file immediately. Reporting unverifiable information violates my rights under the FCRA. 

Thank you for your attention to this matter. I expect a detailed and prompt response, including the sources and methods used to verify this disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Personal Infomation address : XXXX XXXX XXXX XXXX XXXX Alabama XXXX. 
XXXX : XX/XX/1992 Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX System Name : XXXX XXXX XXXX XXXX all closed accounts on my credit report and late payments on my credit report. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

I was not notified that my debt had been sold to the United collections Bureau. They put a levy on my bank account and emptied it. When I called they told me oh well and hung on me twice. XXXX $ was taken. I have no money. The debt company made no attempts to contact me
Product: Credit reporting or other personal consumer reports

I disputed errors that were made to my XXXX report. There were several unauthorized inquiries on my credit report. I requested that they be removed, some were left on my report, some were removed but then put back on, without reason or explanation. The dates of the inquiries were also changed to more recent dates, which would allow them to be on my credit report for a longer than necessary period.