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

Santander Consumer Acc # XXXX {$16000.00} XXXX XXXX XXXXXXXX # XXXX {$660.00} XXXX  / XXXX XXXX XXXX I Acc # XXXX {$470.00} XXXX XXXX XXXX Acc # XXXX {$500.00} XXXX / XXXX  XXXX Acc # XXXX {$350.00} XXXX XXXX  XXXX XXXX # XXXX {$220.00} Santander. Acc # XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Date Opened XX/XX/201XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX l took a look at my credit report and noticed a collection account was fraudulently reporting on my personal credit report. 

I immediately called XXXX to let them know that this identity theft collection account " '' Att U Verse / I.C. System INC ... is a fraudulent account n it does not belong to me. 

The company I.C. System INC. Has fraudulently given XXXX wrong information about an account that l never had. It's fraud. 

This fraudulent collection account is sitting on my report and ruining my good name... and l want it removed please because it does not belong to me. 

XXXX  has not removed this fraudulent collection acount from my credit report as of yet.
Product: Mortgage

My property taxes decreased from approx. $ XXXX to approx. $ XXXX. I called XXXX customer service on XX/XX/XXXX to ask that my escrow account be re-calculated, my monthly payment refigured before my next payment due date of XX/XX/XXXX and any excess money in my escrow account refunded to me promptly. The agent advised me to submit a request via the message center on the XXXX website. I did this the same day - XX/XX/XXXX. Shortly after I received a text message ( see attached ) confirming my email message was received. As of today ( XX/XX/XXXX ) I had not received any other response. So, I called the customer service center again ( the escrow/tax department @ ( XXXX ) XXXX ). The agent I spoke to said they had NO RECORD of my email communication! He also stated they would review my escrow account in XX/XX/XXXX/XX/XX/XXXX. I am requesting my escrow account/property taxes be reviewed and adjusted immediately. The agent was unwilling to do that. I asked to speak to his supervisor and he stated there was no supervisor available. My new monthly pay will be approx. {$290.00} LESS than it currently is and I am also due a refund for excess money being held in escrow. I submitted my original request on XX/XX/XXXX and am asking my new payment be reconfigured before my XX/XX/XXXX payment due date and excess escrow funds be dispersed to me promptly. Thank you for your attention to this frustrating situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, US Department of Ed XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reporting inaccurate information. XXXX  and Equifax are reporting a balance of $ XXXX.However, correspondence was sent to me from the debt collection agency XXXX XXXX, XXXX. that has a balance of {$2600.00}. XXXX  is reporting a Date Opened of XXXX and Equifax is reporting a Date Opened of XXXX. XXXX  is reporting late payments for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. However, Equifax is reporting late payments of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX  and Equifax are reporting a balance at the same time reporting that the balance is Paid and Closed. I've sent in dispute letters due to the number of violations being reported. They still refuse to delete the account. I was never sent any documentation prior to the repossession such as Notice of Default and Right to Cure, Notice to Sale Property or an itemized deficiency showing balance.I want this account deleted for FDCPA and FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax numerous letters and copies of my credit report showing the inaccuracies of accounts that are reporting incorrectly on my credit file. They continue to report the accounts after receiving documents showing they are inaccurate. The 1st letter was sent on XXXX showing them the below accounts were reporting inaccurately on all 3 bureaus. I sent a 2nd letter on XX/XX/15 highlighting the same accounts reporting inaccurately and letting them know that even after bringing this to there attention they continue to allow the information to report wrong and this is a violation. These are blatant FCRA violations and need to be addressed immediately. The accounts mentioned in this complaint have different date of last activity and date of last payment dates on all 3 bureaus. Clearly inconsistent information shown to Equifax numerous times. Attached are the proof as well as the letters sent to Equifax showing they failed to delete these accounts for inaccuracies. The dispute letter sent on XX/XX/15 was never even responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible
Product: Credit card or prepaid card

Every time I log in to Citi / Best Buy account I automatically receive a notification that I have exceeded my log in attempts and that I must reset my password. This makes it prohibitively difficult to make payments timely. I contacted Citi / Best Buy and was advised that they require the password to be reset for security. Requiring that the password to be reset every time a customer would like to access their online account is a UDAAP/UDAP concern, as this is an unfair practice that negatively impacts the ability to make payment and is not a reasonable measure to ensure security.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had ONE late payment on an Account that I was never late for consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ACCOUNT : XXXX XXXX ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENT SHOWING THAT THESE PAYMENT WERE LATE .IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD AS I WAS NEVER LATE THAKS.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payments To Whom It May Concern, I am writing to formally dispute the inaccurate late payments reported on my credit report. My name is XXXX XXXX and my last XXXX digitals to my social is XXXX. 
The following late payments are incorrectly reported : Creditor Name : XXXX XXXX XXXX XXXX Account XXXX Date ( XXXX ) of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries are not accurate and do not reflect my payment history. I have always made my payments on time, and I expect these inaccuracies to be corrected immediately. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incorrect information. I demand that you investigate this matter thoroughly and remove these erroneous late payment entries from my credit report. 
I expect a written response detailing the results of your investigation within XXXX  days. Failure to address this issue will compel me to escalate my dispute, including filing a complaint with the Consumer Financial Protection Bureau. 
Thank you for your prompt attention to this matter.
Product: Mortgage

I was refinancing my home mortgage with XXXX XXXX. They told me not to tell my current mortgage company that I was refinancing. I was approved for a refinance and was told it would take 21 days or less to close with XXXX. I decided to tell my current mortgage company, NewRez, to see if they had a better offer. Low and behold they told me they could match the rate and it would be less on closing costs by about {$1000.00}. I was told by NewRez that the loan would close within 21 to 28 days. So I stopped the loan process with XXXX and began the process with my current mortgage company, NewRez. I started the process with NewRez on XX/XX/2021. My rate was 3.99 %. The refinance rate was going to be 1.99 %. I was told the process would take 21 to 28 days. 

NewRez asked for all my documents such as tax returns, proof of income, homeowners insurance and three months of bank records. I submitted everything on XX/XX/XXXX. As the 28th day passed, I kept sending emails asking what was going on. I was told repeatedly that they were busy. When the 80th day approached, and it still hadn't closed, I asked if they were trying to keep me at the 3.99 % as long as possible. I said I now had lost several XXXX dollars since I was still paying on my current 30 year loan at 3.99 %. All my documentation was submitted back in XXXX, and there weren't any items needed on my part. I have a 800+ credit score, no other debt besides my house, and a 20 % income to debt ratio. There is no reason this loan should take so long, other than NewRez is still collecting 3.99 % rate from me, and therefore not motivated to refinance my loan. I really think they delayed the process so they can have the higher rate. I emailed them numerous times, and they just said they were busy. I am sure they have closed on several loans since XX/XX/XXXX. I believe this is an unfair consumer practice. I called the Federal Reserve, and was told this is typical of lenders, and they can't do anything about it. I called the State Attorney 's Office, and was told that it is unfair but common, but they can't do anything about it. This practice should not be allowed to continue! I can't even believe that lenders are able to do it and no one can stop them. Very frustrated! They finally closed about 60 days later than what I was told. Something needs to be done to prevent mortgage lenders doing this! Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted multiple letters disputing inquiries and certified letters the reporting agemcy refuses to remove them
Product: Mortgage

Lakeview Loan Servicing assumed servicing for my mortgage from XXXX XXXX  in XX/XX/2018. Since that time I have been dealing with both incompetence and frivolous fee billing with this organization. XX/XX/2018 I was given an amount that would pay my loan down so the PMI would be taken off. However, the calculations were incorrect so I had to wait several more months before the PMI was lifted. Recently I had a problem using their online payment system in that they did not bill the bank account number I had been typing in and using over the past 9 months. When I noticed the payment I submitted on XX/XX/XXXX had not cleared my bank account, I called in XX/XX/XXXX to inquire as to why. It appeared that a digit had been dropped from their transaction so they were trying to debit an incorrect bank account number. The support rep on XX/XX/XXXX stated that we would have to let the prior payment fail, and input another that would clear. I had asked her to correct the number so the original payment would clear, but she stated the process she described would not result in any charges. 
On XX/XX/XXXX I received a letter stating they were charging me for a fee for 'non sufficient funds '. Upon receipt I spoke with XXXX who stated that the XX/XX/XXXX call would need to be pulled to verify the issue. I requested that to happen but never heard back from the company. I notice that my next payment shows the fee added.
Product: Credit reporting or other personal consumer reports

This issue of incorrect account reporting has been ongoing with XXXX XXXX XXXX as this is my second CFPB claim against them regarding the Account Number : XXXX that pertains to the Vehicle : XXXX XXXX XXXX XXXX XXXX. I've recently file my intial CFPB claim against them in XX/XX/XXXX because they repossessed the vehicle nearly a year ago, report the account to the credit bureaus as closed and repossessed ; but, was still reporting monthly late payments and blance updates that ended up totaling over {$8000.00}. Before filing the my first CFPB claim against XXXX XXXX XXXX, I wrote to them several times wanting verify information about the vehicle, the account, and the reporting of the account. Namely, why they were continuing to report late payments to the cresit bureaus on a nearly XXXX year old closed repossessed account, and the details on the selling of the car that they hadn't disclosed to me as I found out they sold the vehicle at an auction in XX/XX/XXXX via a records search company but XXXX XXXX XXXX was reporting the aforementioned anyway which continued to damage my credit. Only after I filed my first CFPB claim against XXXX XXXX XXXX did they disclosed that they sold the car, then applied the proceeds they received to the over {$8000.00} balance they wrongfully increased to over the period they were reporting late payments on a nearly XXXX year old repossessed car and closed account, then changed the reporting of the account to a Charge Off for the amount of {$1500.00}. The issue continues now is XXXX XXXX XXXX is now reporting late payment updates of {$6.00} on XX/XX/XXXX and {$14.00} on XX/XX/XXXX on a written off Charged Off account. This reporting behavior by XXXX XXXX XXXX is frivolous, intentionally erroneous, and is intentionally damaging to my credit and quality of life. The vehicle was repossessed nearly a year ago, they reported the account as closed and as a repossession, sold the vehicle, reported the account now as a Charge Off and Written Off ; and, they are still reporting late payments and balance updates as shown in the attached images to this report.
Product: Debt collection

LOAN ME CLAIMED A LOAN WAS TAKEN OUT ONLINE IN XXXX XXXX NAME WHICH I'VE FILED A POLICE REPORT AND FTC COMPLIANT REGARDING THIS ACCOUNT. I HAVE EMAILED THE DOCUMENTS REQUESTED TO XXXX FIELDS OF LOAN ME AND XXXX WHO IS REPORTING THIS FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I WOULD NEVER AGREE TO SUCH TERMS OF ANY TYPE OF LOAN LIKE THIS. THIS IS A SCAM.
Product: Credit card

many times XXXX has made monthly donations when I just wanted a single donation
Product: Debt collection

I had a XXXX card open in connection with my XXXX 's XXXX memebership. When I lost my husbands income I was unable to make full payments. They then placed me in collections and refused to take less than total amount due. I was then given papers saying they were going to put a judgement against my house. I was advsied an unsecured debt could not take my home so I did fail to show up to court. I now have a judement against my property and am unable to refinance my home. I want this investigated because I am still being told they are not able to do this. I tried to offer their collection agencie XXXX XXXX XXXX a payment of {$2000.00} to settle. They advised they would remove the judgement but continue to try to collect. I am scared to pay and end up with another judgement against my home. I have no other accounts in default everyone else worked with me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
| The accounts below have violated my rights. 
| 15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.c 1681 Section 604 A Section # * 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven years. 
| 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating td a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I spoke to someone over the phone about 2 years ago and this is for a debt from XXXX, which is more than 7 years and was inflated from XXXX $ which was my credit limit on the paypal credit to over XXXX XXXX I have been threatened to be sued, called numerous times, letters in the mail. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i'm writing today to seek assistance in getting a response from the bureaus about a few accounts im not familiar with and have sent multiple letters to get complete documentation on where they are coming from I sent letters on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 accounts im concerned about XXXX XXXX XXXX  XXXX, global lending Please if someone can assist me with this i've been trying for months with no response
Product: Checking or savings account

On XX/XX/XXXX my social security check was deposited into my US Bank Acct # XXXX. I had a negative balance due to NSF. The bank cleared that debt and I was left with a balance of {$670.00}. The bank closed my account on XX/XX/year>. I was told they would mail me a check. I have called multiple times the most recent being XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was transferred to my branch located in XXXX XXXX XXXX in XXXX, OH. They told me the check had been sent XXXX days prior to my call. I made certain they had my most current address which I had already given them of XXXX XXXX XXXX. XXXX XXXX, XXXX, WV XXXX. I know they have the address because I received a statement this month showing the withdrawal of the {$670.00} that they claim was the check they mailed to me. I have never received the check, today XX/XX/year> they transferred me to the fraud department because they claim the check was cashed. When I called in on XXXX the XXXX, they told me they were looking into a fraudulent check that was cashed for {$550.00} prior to XX/XX/year>. They could not issue the check until that was completed. 
AFTER HOLDING for over XXXX minutes today XX/XX/XXXX, with the fraud department they disconnected my call. I called back told my story yet again and the line went silent. Apparently they were experiencing technical difficulties or just did not want to discuss my issue. I do not know what else I can do. Each person tells me a check has been sent, never on the same dates and yet I have never seen a check.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, i discover 11 unauthorized hard inquiries. They are not mines. 
XXXX XXXX. XXXX  XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX 2024 XXXXXXXX XXXX XXXX XXXX 2024 XXXX. XXXX XXXX. XXXX XXXX 2024 XXXX XXXX. XXXX XXXX 2024 XXXX XXXX XXXX  XXXX XXXX 2024 XXXX XXXX XXXX XXXXXXXX XXXX 2024 XXXX XXXXXXXX XXXX XXXX XXXX 2024 XXXX. XXXX. XXXX XXXX 2024 XXXX XXXX XXXX XXXX 2024 XXXX XXXXXXXX XXXXK XXXX XXXX 2024
Product: Credit card

Kohl 's and Capital one are opening up unauthorized lines of credit in people 's names.

About 2-3 months ago I started getting some emails about a Kohl 's credit with Capital one. I initially thought this was just a scheme or junk mail, however I received a letter that said welcome to your new captial one kohls credit card and had 4 digits in the letter and this made it seem more real. I immediately called Capital one and spent 1.5 hours on the phone and I tried to cancel the card and obtain information on how the card was even opened so I could file a police report and report credit card fraud. I found them to be very evasive and they could not give me any information. They could not send me anything, they could not cancel anything and they could not explain who opened the card. I got a variety of responses that ranged from " You are not in our system '' to " you will need to call Kohl 's ''. 

I have made a few more phone calls to try to resolve the issue, but I spend literally 20-65 minutes on hold and get transferred many times to get no resolution. 

Today I called the XXXX Oregon XXXX store and spoke with a Manager and explained my situation. I told him I have already called Capital one and I am not getting resolution. I was given the phone number of XXXX to call for help. I was told this was Kohl 's. I was on hold for 27 minutes and when I told the caller I wanted to cancel whatever business with both Kohl 's and capital one cards and find out who authorized a credit card in my name he told me he couldn't help and I needed to call captial one at the number on the back of my card. I explained to him I have already called them and I need to get this resolved. I will be honest I think what happened is Kohl 's must have sent my information unauthorized to Captial One and Capital one opened up a line of credit in my name unauthorized. I am lucky I read these letters and emails as they all very much looked like spam.

I know that both Kohl 's and Capital one benefit anytime a line of credit is open and this is very shameful they are doing this unauthorized. I can easily see how someone who is elderly would miss your communication. Be very careful and aware when dealing with these two business.
Product: Mortgage

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$170000.00}
Product: Debt collection

AFNI is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with AFNI. I have never received any correspondence from AFNI stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that AFNI owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. AFNI is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure AFNI understands the importance of properly investigating my concern. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in AFNI 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.