23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested a loan recast on XX/XX/XXXXand sent a {$50000.00} ( $ XXXX to pay down the principal and {$300.00} for processing fee ) cashier 's check on XX/XX/XXXX. After they received the check, I found out they didn't apply the whole $ XXXX toward the principal. Instead they applied a big portion toward future mortgage payment. After that issue was fixed, they were supposed to send me the recast agreement to sign and return. I found out by the recast agreement document they posted on my account online, they sent the document to Idaho while I live in California. So I printed the agreement and notorized it and sent it using the mailing label included in the Recast Agreement on XX/XX/XXXX. While the agreement said to send it back to their office in Connecticut the mailing label was addressed to XXXX XXXX in XXXX  Arizona, so I called them to make sure it was OK to send the agreement to the XXXX  office and I was told they have an office in XXXX  and it was OK to use the mailing label. Tracking system showed the agreement was delivered on XX/XX/XXXX. OnXX/XX/XXXX, I had an envelope marked as confidential on my front door that had a cover page instructing me to call a local company to sign and notorized the included recast agreement which I did already a few days before. I've been calling since XX/XX/XXXX to find out the recast status, whenever I got to talk to a customer service representative nobody knew the status. They promised to call me back and I haven't heard back I also emailed them 3 times while auto reply said they'd get back within 48 hours, but I haven't heard back. This is my complaint about the recast.

My second issue with The Money Source is they sent me the XXXX form with incorrect interest paid for XXXX. With the attached monthly transactions and XX/XX/XXXX statement, I found out they didn't include interest paid for XX/XX/XXXX in the amount of {$490.00}. I called to request correction of 1098 early XXXX and haven't heard back for a couple of weeks, so I called again and no status on that. Then around XX/XX/XXXX, I received a XXXX INT 1098 that is {$490.00} more than the amount in the original 1098 form posted on my account at the beginning of XXXX. They corrected the wrong 1098!! I called and they told me I had to call the IRS to correct it because the IRS gave them that amount which is completely wrong. They are the one reported the info to the IRS. Up till today they still wouldn't admit they made a mistake on my XXXX 1098 form and added a mistake to my XXXX 1098 form. Because of their mistake, I have to file for extension for tax return for the first time. 

TMS should not be in the mortgage business.
Product: Mortgage

Mortgage Fraud by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX & XXXX Select Portfolio Servicing, lawsuits as follows : XXXX, XXXX, XXXX, Not XXXX XXXX will uphold the laws to protect Consumers being defrauded! in 2023, I expect I will need to file another civil action against XXXX & the lawyer XXXX XXXX XXXX. & XXXX XXXX see XXXX # XXXX on case # XXXX, just filed on the docket XXXX we are now forced to pay the XXXX demand of over $ XXXX. Total corruption, read the detail lawsuit XXXX XXXX law section XXXX applies! XXXX misconduct, misdemeanor charge! XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX.
Product: Bank account or service

I paid my rent online through my resident access website XXXX17, but I used the wrong account. I moved the money to the correct account and called Citibank customer service to make sure that my rent payment would not be rejected. When I spoke to the representative he put me on hold and then came back and told me that my payments should not be rejected. I kept watching my account and the money was never taken. When I called Citibank today XXXX17 they said that it was already to late when I called. My issue is that I accrued additional late fees due to their misinformation and they said all that they can do is apologize that they have no intention of reimbursing me anything ( According to XXXX " Supervisor '' XXXX ).
Product: Debt collection

I am late on a credit card bill from Discover. It is the first time I have ever been late. They have been calling my cell phone 5-10 times a day and my work phone at least 4 times a day. It is a different person every time they call. 

I do not have my cell phone on me all the time and my work phone is busy with work or I am out of the office. So far I have not been able to answer any of them but when I get back to my phones and see XXXX missed calls from them in a span of XXXX minutes, it 's a little over kill if you ask me.
Product: Credit card or prepaid card

I disputed a charge incurred last XXXX when I attempted to purchase some sneakers from what turned out to be a fraudulent vendor. The {$130.00} purchase was made on my Apple Card through XXXX and the bank is Goldman Sachs. I have tried several times to resolve this dispute by presenting relevant documents, and by numerous phone calls. 
The vendor eventually supplied their own damning evidence by providing a delivery notice. 
The notice was attached to a '' proof of delivery '' which clearly demonstrated that there was no delivery -- no address and a phony name was inserted where my name should have been. Despite this Goldman Sachs can not resolve this matter. I have lost faith in their investigators. They continue to harass me and ask for more documents. I've told them to resolve this in my favor or I will cancel my account. You'd think they would realize that I would hardly go to this trouble if I was guilty of receiving the goods and lying about it. 
I ask that you tell them to read the docs and get their heads out of their rears! 
Thank you
Product: Credit card or prepaid card

Equifax credit leak, I submitted a form on their website and they said " My information may have been effected. '' Could I get a direct answer? Some people get " Your information has not been effected. '' So is " may '' the new " Your information has been effected we just wo n't tell you that and ca n't tell you what information has been compromised ''? This is n't a reasonable response for customers and does n't provide an assurance.
Product: Credit card

Discover Credit card company is charging exorbitant late fees and has deceptive billing and notification processes. I have called and spoken with them several times and they say they can not address the issue. When I tell them they are not following the law that caps the late fees, they say that it is not true. 

They are sending me deceptive billing and notification email reminders to collect monthly payments AFTER due date. I login thru their website and pay the with credit card bill when I get the notice ( 3 months in a row ) but was not informed the payment was considered " late. '' I paid on the XXXX of XXXX but it seems the payments was not processed until the XXXX of the month- although now Discover says payment is due on the XXXX. They charge 29.99 % interest and on top of that a {$41.00} late fee, so my principal is not being paid down. 

I paid {$95.00} with the late fee shows paid on XX/XX/year>, then they sent me another bill to say my account was past due on XX/XX/XXXX and another {$41.00} late fee was charged for a payment due reminder to be paid by XX/XX/XXXX for {$100.00}. 

I asked that they remove the {$41.00} late fee because how could I be late when the payment date did not occur and that I had already just paid a {$41.00} late fee. I do not even use the card, I am just paying exorbitant interest and multiple late fees and I thought the late fees are supposed to be capped, but Discover Card said they would not remove the XXXX {$41.00} late fees despite their ability to see that I have paid my bill every month since I acquired the card several years ago.
Product: Credit card or prepaid card

My card was used fraudulently and 2 of the 3 charges were reversed but Synchrony Bank is reporting that I am responsible since it was shipped to my address from XXXX XXXX. Tracking number provided by bank comes up invalid. Fraudulent charge is about {$1000.00} for a raincoat I did not purchase or have shipped to my address.
Product: Debt collection

On X/X/17 I filed a complaint against the Collection Bureau of the Hudson Valley for failing to provide adequate verification of a debt. The company 's response was that they would provide this information. As expected, I have not received any mail from this agency - yet this unpaid bill sits on my credit. Below is their previous response - " X/XX/17 We mailed this consumer letters on XX/XX/17 and XX/XX/17. On XX/XX/17, a collector asked to verify the consumers current address. The consumer stated the address we had on file was a previous address but the consumer did not want to update her new address because her mail was being forwarded. I updated the address on this account to match the address listed in this complaint and have requested a copy of the itemized bill from our client. Once this information is received we will mail a copy to the consumer at the address listed on this complaint. We will cease all phone calls to the consumer regarding this account as per the consumers request in this complaint. This account is being reported to the credit bureaus as disputed. '' As I have not received the bill from the original creditor, or have I received a bill from CBHV, this remains an outstanding issue that will remain in dispute. The only change is CBHV is not calling me, but this company is allowing me no recourse or remedy in resolving this issue. 

Reminder, I also contacted XXXX and spoke with a supervisor. This person advised they could not provide any information because the issue was being handled by CBHV. This person referred me back to the agency. When I advised the supervisor of how this was handled and asked how I could confirm and pay the debt if it was valid, they stated I could only get information from CBHV. Again, this leaves me no remedy.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was taken aback by the numerous mistakes in reporting. The inaccuracies I discovered were truly surprising. 


I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

Please investigate and take a look at this accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for falling to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. these are the inaccurate accounts : XXXX XXXX.
Product: Checking or savings account

I am try to pay with using my paper checks and always get denied even I have a fund availability XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX ( Denial Record # XXXX ) Every times I called your call center and they said my account active and ready to use.and they transferred XXXX department and they saying that my account don't have a funds. 

I am so tied and dealing with issue.Please fix this issue Thanks XXXX XXXX
Product: Debt collection

I noticed on my credit report a collection account listed for {$860.00} from CKS Financial. I did not recognize this account nor received any notice regarding the validity. As I went to their website, it directed me to another named Velocity Investments. When I attempt to enter information to pull up this account from their website using my phone and social, no account could be found. I submitted this with a screenshot to the credit reporting agencies disputing this account as I could not verify the account on the velocity investment website. All attempts to contact via their phone number listed on my credit report just sits with a busy signal or on hold. 

Somehow the credit reporting agency says the debt has been validated.
Product: Credit card

Hello, I applied a payment of {$5000.00} dollars to my Capitail One XXXX card and thet did not apply it to the highest apr.. I called them and they told me they did not have to. 

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

XXXX and Experian are reporting an incorrect coding of the XXXX XXXX partial account number XXXX****. This account actually needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 unauthorized credit inquiries on my credit reports from XXXX XXXX XXXX XXXX from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I notified equifax numerous times I circled items in my report that were fraud sent them identity theft police report and was told by the fcra 605b that they are required by federal law to remove these items and equifax refuses to remove items, I have tried for over 3 years to get said items removed and they are refusing to do so, they have cost me homes mortgages loan, jobs, and credit cards because of inaccurately reporting these items on my file. I have done what I was told to do and equifax refuses to cooperate and I am filing a complaint with you to force them to cooperate with the law. I will file complaint after complaint until items I circled are removed. And I also will be bringing them to court in regards if it they are not removed for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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
Product: Debt collection

I sent corresondence to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Central Portfolio Control and XXXX XXXX XXXX on XX/XX/2024 requesting that they remove these fraudulent accounts from my report due to identity theft. They have failed to respond or remove the accounts from my report.
Product: Debt collection

In XX/XX/year>, I discovered an entry on my credit report for an alleged debt with Columbia Debt Recovery LLC concerning an apartment lease that had been fully satisfied. The entry pertained to an account opened on XX/XX/year>, linked to an apartment I vacated, where all financial obligations had been met upon lease termination. 

Despite fulfilling my lease obligations, Columbia Debt Recovery XXXX proceeded to claim a debt associated with the address XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX. Not only was the lease concluded without any outstanding balances, but I also had unresolved maintenance issues during my tenancy, including a significant cricket infestation which was reported but not addressed, violating the lease terms. 

Upon receiving a collection notice via email in early XX/XX/year>, I immediately contested the validity of this debt both directly to The XXXX and Columbia Debt Recovery LLC. I requested cessation of all collection efforts and correction of any negative reporting. Despite my dispute, the collection agency has not provided any substantial evidence validating the debt nor have they ceased collection efforts. 

This has caused undue stress and has negatively impacted my ability to obtain credit. I have taken actions to resolve this by communicating directly with the collection agency and disputing the entry with credit bureaus, but the negative impacts persist due to their continued reporting and collection attempts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX CARD XX/XX/2024 XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Student loan

I keep getting billing statements and collected interest while the Servicer is delayed on completing my student loan lower payment application. The Delay is not caused by borrower but by Servicer to complete my loan payment application. Servicer said it would be completed around XXXX but it is XXXX and not yet completed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified by XXXX XXXX that hard inquiries were made on my credit report from XXXX companies. These included : XXXX. A hard inquiry from XXXX XXXX XXXXXXXX XXXX. A hard inquiry from XXXX XXXXXXXX XXXX XXXX A hard inquiry from XXXX XXXX First, I went online to dispute these inquiries and the associated telephone number with all three credit bureau. XXXX removed these inquiries from my report. XXXX did not remove the XXXX XXXX  inquiry from my report, and on XX/XX/XXXX I submitted another dispute online. XXXX is requiring me to submit a report to the FCC and mail them the report. 

I also froze my credit with all three credit bureaus. 

I also called all three companies to dispute/cancel the applications and have them dispute the hard inquiries with the XXXX credit bureaus. XXXX XXXXXXXX was XXXX challenging to reach a human being through their robocall answering system, but after several hours of trying to use different key words I was able to reach a human being and they were able to help me. 

On XX/XX/XXXX XXXX XXXX notified me that a fourth hard inquiry was made on my credit report from XXXX. I called XXXX to dispute/cancel the application and to have them dispute the hard inquiry with the XXXX credit bureaus. They are also requiring me to mail/fax in additional information. 

After this, I called XXXX and went online to dispute this inquiry with XXXX and XXXX.
Product: Debt collection

XXXX XXXX XXXX purchased a falsified debt from Advance Financial regarding a pay day loan. This deb is not owed. And, the debt appears to soly consist of interest charges of 247 %. The statement that was provided to me by XXXX XXXX, does not include a full statement including remaining balances post payments ( including interest rates charged ) and XXXX XXXX has not responded to documentation that I have provided. XXXX XXXX added this falsified debt to my credit report in attempt to extort money from me.
Product: Credit reporting or other personal consumer reports

I am not associated with the creditors mentioned, and these inquiries are not mine. I urgently request their removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

I keep getting robo calls from genesis FS card services about a milestone  account. I do not have a milestone account or card. They call at least once a day and use different phone numbers every time. I have blocked the numbers many times but they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a dispute regarding a collection account ( XXXX XXXX ). I disagreed with results. Equifax hastily completed their investigation and stated that the account belonged to me. I was disputing the amount owed. If they would look at the numbers submitted by XXXX then it would be 0bvious that there are no itemized charges adding up tom XXXX Furthermore after I complained about Equifax and XXXX  preventing me from obtaining my report in an easy and timely manner. Here is my new complaint : On the XXXX of XX/XX/XXXX, I opened myfico account and and my Equifax credit score was XXXX. Today four days later it is XXXX. XXXX went down to XXXX. How is this possible when my credit limit went up on my XXXX XXXX card and the balance of my XXXX  XXXX card went down. I also paid off my personal loan and have not been late on any payments the last 6 months. Meanwhile XXXX raised my score today to XXXX .... Are Equifax and XXXX retaliating because I closed my monthly account with them and then filed complaints against them both? I have to believe that I am being punished. I am a XXXX XXXX XXXX XXXX veteran trying to get a car and an Apartment. How the heck can my scores go down almost XXXX points in four days. XXXX, please enforce whatever rules that Equifax and XXXX are breaking. There is No way that my score could drop that much that fast. And to make matters worse Equifax and XXXX listed the XXXX XXXX account as new when it has been there since XXXX.