23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were transferred to Panorama Mortgage Group in XX/XX/XXXX. The first payment was due on XX/XX/XXXX. We never received a statement through the mail from the company so we had to track down the company name, phone number, and where to send the first payment ourselves through the old mortgage company. After using the phone number that was provided to us, we were able to confirm with Panorama that the information was correct, we sent the e-payment on XX/XX/XXXX. We began receiving collection phone calls on XX/XX/XXXX saying that the payment was never received by Panorama. We sent in bank statements, the statement that was sent to us through email from a manager at Panorama and screen shots of the website where we had paid the first payment. It is now XX/XX/XXXX and not only are we still getting phone calls about this first payment, they have now " misplaced '' the payment that was paid on XX/XX/XXXX. We have done some of the leg work ourselves and found out that the first payment was made to their headquarters in Nevada under one account number and the second payment was made to a company with the same name in Arizona under another account number, however our personal information remained the same. They are now threating us with legal action and late fees on 2 payments when neither one was late. We have also sent in all the proof, including our personal bank statements, and proof of the account numbers that were used for the payments. They have said many times that this would be fixed and that the supervisors are aware there is a problem but it keeps kicked back to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX  XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major XXXX, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.
Product: Credit reporting or other personal consumer reports

XXXX refused to pay the excess balance in the GAAP policy that was purchased. The XXXX was totaled and XXXX stated that their GAAP insurance was not going to the full balance as the GAAP policy we purchased was deemed to cover any balance at 100 % of any default difference between the XXXX value and the balance owed on the XXXX. When we purchased the GAAP policy XXXX 's statement was this GAAP would cover 100 % of any balance owed, XXXX refused to cover the balance of {$770.00}. This was a fraudulent error by XXXX. All payments have been paid and are never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX and I'm temporary working in US. My husband and I tried to get a dream home in XXXX and our mortgage was denied due to over 30 credit hits in my credit report between XX/XX/XXXX to XX/XX/2018 by Leasing Desk. 

I was in a process of obtaining my Social Security number so I provided my XXXX XXXX number in the meantime. I undertood that when I rented my home in Arizona that one credit check would be done, however, this was not the case as several unauthorized checks were done in a short period of time lowering my XXXX credit score significantly. 

I have contacted Leasing Desk multiple times and also submitted a complaint through their website but they closed the case stating that I should contact the applicable credit bureau.
Product: Debt collection

Enhanced recovery is reporting the XXXX bill on my credit report. I have had XXXX XXXX XXXX since XX/XX/XXXX. I have not had a XXXX  account. I have disputed numerous times with credit bureaus and they keep updating. I recently tried to contact the Enhanced recovery reaching the collector who was very rude and just outright said you disputed and it is yours. If there was an account opened it would be fraud because I have had att since XX/XX/XXXX or before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) (  A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Product: Credit card or prepaid card

I opened a new XXXX XXXX card about 10 days ago. I haven't even used the card yet. When I applied on the Citi site the offer was XXXX points after spending {$2500.00}. Now a few days later the offer updated to XXXX points after spending {$3500.00} in 4 months. I been with Citi for well over 20 years on other accounts. I called to have the new offer honored but was told they are unsure if anything can do. I'm writing to try to have this new offer honored on my account since it was only a week before I opened it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exhibit " E '' will show the results of Equifax answer to a dispute. It shows that there were multiple accounts with XXXX being disputed. Only one was being disputed ( Please see Exhibit " A '' as to the correct disputed account a certified copy of an unsigned note by XXXX ). They removed the wrong account ( please see Exhibit " D '' for the account that was not suppose to be removed, but was done so - I did not file a dispute for this account ). Furthermore, the ONLY account that was disputed and should have been the only one removed from my report was the invalid account ( Please see Exhibit " B '' and Exhibit " C '' unsigned note as well as an altered note by XXXX showing an owner that has never been known to me and letter asking that we sign liability for this invalid loan on a vehicle that someone unknown to us owns ). Please correct this mistake by removing the correctly disputed account.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX  experian XXXXXXXX XXXX XXXX These credit accounts and hard inquiries are the results of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate the date last active is inaccurate, and the date last reported is not accurate. This is also grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy 15 U.S.C section 1681 section 604 A section 2 it also states a customer reporting agency can not furnish a account without my written instructions 15 U.S.C 6801 protection of non public information 15 U.S.C 1681i ( 5 ) ( b ) reinserting of deletion 15 U.S.C 6802 obligation to respect a disclosure of information Also the credit bureaus took longer than 30 days to complete their investigation here is my certificate mail tracking number XXXX ; XXXX Experian ; XXXX XXXX XXXX  XXXX Account # ; XXXX, XXXX XXXX XXXX Account # ; XXXX, XXXX XXXX XXXX Account # ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX
Product: Credit card

I was enrolled in credit defense at Wells Fargo and i never signed up for it. I was charged XXXX since XXXX XXXX I think. I am only able to access my credit card statements for XXXX and XXXX and i added those charges to be XXXX. I then called Wells Fargo and they told me i was charged the {$1100.00} I have requested them send me that information so i have it and also i have requested all my credit card statements to be mailed to me but it will take XXXX7 business days. I have filled a complainant with wells fargo but they said they will get back to me in writing in the next 10 days and i do not believe them.
Product: Mortgage

I closed on my home XXXX/XXXX/XXXX. After sending in my XXXX Mortgage payment my Mortgage sold twice in same month. I never received any notification/Welcome Kit from new outfit. CMC serviced by SLS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I 've called them each week on Friday only to be told my Welcome Kit is being mailed. Still Nothing. I Finally found their Website on my own. The Website would not allow me to make a payment or sign-up for Auto pay. Against my better judgement I made a payment over the phone. The Rep proceeded to only post the Principal and not the Escrow. So I had to call back and pay the Escrow. That was on XXXX, as of today that is still not appearing on statement, where is my money? Today I received not XXXX, but XXXX Dilinquent Notices telling me I 'm in Default of my Loan! Are they for Real, are they Legit? They informed me a few weeks ago that they only got my info on XXXX and I had until XXXX to get all caught-up once they get me set-up, but Still no Welcome Kit. Please help get resolved. Are they trying to Scam me? I XXXX and read about a Scam regarding SLS that sounds just like this. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX PA. XXXX. XXXX # XXXX
Product: Debt collection

I sent Emergent Business Group a debt validation letter after being advised by XXXX XXXX, XXXX to do so in regards to my account. I was informed Emergent Business Group is holding and servicing this account currently. They have failed to respond to my request for validation and I have attached my debt validation letter below.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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: Debt collection

I requested verification of debt owed on XXXX XXXX, 2014 from CACH , LLC via certified USPS letter which was signed for and accepted on XXXX XXXX. 

CACH , LLC did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX  XXXX XXXX : {$3500.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX : {$140.00} XXXX  XXXX : {$210.00} XXXX  XXXX : {$210.00} XXXX  XXXX : {$210.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. The Closed Date is inaccurate, This inaccurate information falsely manipulates the statute of limitations. On day XX/XX/XXXX, I sent a letter to TRANSUNION asking them to reinvestigate these accounts : XXXX XXXX XXXX # XXXX, and here is my tracking number : XXXX XXXX, and XXXX failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : TRANSUNION : XXXX XXXX XXXX # XXXX. include the letter I send to XXXX on the day XX/XX/XXXX include the XXXX receipt on the day XX/XX/XXXX include the XXXX report on the day XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian refuses to fix the addresses on my credit report that are NOT mine, I try to upload the documents, and says its invalid, but I am sending them PDF as the directions say. This is their way to not taking these addresses off of my credit report.. this is getting to be ridiculous. It shouldn't have been this difficult especially when I did as it said in PDF form however, it had an excuse every time as to why it couldn't load them. I don't live at these addresses on my credit report. It needs to be fixed immediately.
Product: Mortgage

My chapter XXXX discharge granted on XX/XX/2009 included my mortgage and Second PREDATORIAL Lending 125percent LTV where the loan was charged off. This discharge stopped me from owing on these loans on a personal basis and any proper residential Liens would survive. So, if I owed nothing on a personal basis why was a loan modification offered and completed when I owed nothing personally? Why was a chapter XXXX claim accepted if I owed nothing personally. 
I was very I'll during these times and you knew it and took complete advantage of a now XXXX XXXX XXXX Man. It goes both ways meaning something can be applied for but to not violate the consumer fraud act by doing nothing on your end where the discharge was in effect and so many other things should have been done on your end as well. This ALL constitutes FRAUD and many other Violations. My current foreclosure is Fraud.
Product: Student loan

As part of Covid relief, payments after XX/XX/202 on student loans were eligible for a refund. I called and request a refund on XX/XX/22 and am eligible for somewhere between $ XXXX {$2500.00} back. 
I called on XX/XX/22 for an update and was told that my refund request had been approved. 
I called on XX/XX/22 and was told it will take 4-6 weeks to see any progress. 
I called on XX/XX/22 and was told the process can take up to 12 weeks. 
It is now XX/XX/22 and I have seen no change to my account balances and no refund has been issued, this is well past the XXXX week window that I have patiently waited for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called PROSPER, XXXX XXXX, & XXXX to try and resolve the following matter but unfortunately the lady that was speaking to me was rude, unprofessional, and not helpful at all. I recently reviewed my credit REPORTS and observed that Prosper IS NOT reporting my monthly payments to all the credit bureaus, XXXX XXXX, & XXXX. Furthermore, PROSPER, XXXX XXXX, & XXXX has a note on my credit report which states " National Disaster ''.
Product: Student loan

I got a phone call about our lending company, Navient, that there is a lawsuit against them because of mishandling of student loans. 
We have had this loan for approximately 17 years and have been always on time with payments. 
I would like information if possible about this lawsuit. 
Thank you!
Product: Debt collection

XXXX XXXX XXXX home loan servicing assigned a XXXX balanced loan to Nationstar. 

After transfer, to date Nationstar claims more than {$110000.00} is due.
Product: Student loan

My loan provider, Navient, formally XXXX, would not work with me on repayment options. I was not given options in terms of repayment based on my income and family obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.
Product: Debt collection

They keep emailing me day in and day out trying to collect on a debt that has been written off by the company as a loss. I asked them to stop her they still try to contact me by email daily! I cant open my email without seeing them and having a panic attack.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from a credit card company named XXXX XXXX XXXX on XX/XX/2022 at XXXX. It asked me to open an attached PDF that had important info about a XXXX XXXX XXXX application that was submitted on XX/XX/2022. The email had my first and last name correct. I did not open the attachment. I started calling all 3 credit bureaus to place a freeze on my credit because I did not apply for this credit card. After signing up for XXXX ID Patrol... .I was able to look into my three reports where I found that a hard inquiry had been conducted on my credit report through XXXX XXXX : SYNOVUSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This was completed on XXXX. 
I called the phone number and a person named XXXX stated that they are not XXXX XXXX but are called XXXX XXXX and would not help me unless I provided my social security number or the credit card number. I was not willing to tell them my social security number and I did not open the attachment so I do not have an account number or the credit card number. This is a fraudulent application and credit inquiry that is on my credit report. I want it removed and want the credit not to be issued because I did not apply for a credit card. This is fraud.
Product: Credit reporting or other personal consumer reports

I haver XXXX account that's is reporting XXXX late payments on each account which is INCORRECT. 

I reviewed my consumer reports and noticed that I had XXXX late payments on XXXX different accounts 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 these accounts XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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

They are reporting bankruptcy to all XXXX credit buros XXXX XXXX eqifax and XXXX the information is incorrect it says it was discharged in XX/XX/XXXX but it was discharged in XX/XX/XXXX that 's 13 years from now it was chaper XXXX which should only stay on 10 years the most this is hurting me from getting a house for my kids n I and I have reestablished credit over the years and this is still coming up the credit report company 's are sending no proof to back up there claim I want it removed at once or ill sue
Product: Mortgage

On XX/XX/2020 I updated my auto-payment terms from a full payment on my account 's due date to a half payment every 2 weeks using the payments options on Chase 's mortgage servicing online portal. My mortgage payment is due the first day of every month. I was given a notice that my mortgage would begin paying on XX/XX/2020 under the new terms and I was responsible for ensuring my mortgage was paid on XX/XX/2020. Before I added a manual payment for XX/XX/2020, I contacted Chase 's customer service to make sure my previous auto-payment would not pay on XXXX. I was ensured by a representative named XXXX XXXX that I would need to setup the additional payment. I reached back out to make sure my auto-pay would not debit my account on XXXX and that I had to setup another payment. A representative named XXXX XXXX reinforced that I had to setup a new payment for XXXX and that I would not be double charged. 

When XX/XX/2020 came, Chase withdrew 2 payments from my XXXX checking account for my mortgage. This was unfair and deceptive. I called Chase on XX/XX/2020 to get them to refund one of the payments and they said it would take 2-3 business days to process the refund. I asked them to include interest for 7 days the funds were missing from my XXXX account. Chase refused. Chase 's payments practices are unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

an account open XX/XX/2021 for XXXX XXXX also account open on XX/XX/2021 for XXXX XXXX, was opened without my knowledge. Those accounts are not mine, and i did not authorize. my data was exposed and i currently have active fraud alert on my reports as of XXXX, those accounts are not mine, please delete the following accounts XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4900.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$710.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$880.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Student loan

I paid off my Navient student loans in XXXX XXXX, but automatic payments were deducted from my bank account in XXXX and XXXX. I called them, mailed my bank statements, and turned off the automatic payment option with my Navient account. However, in XXXX the same payment was withdrawn! I do n't know how they still had access to my bank account. Navient says those payments must be going towards a private loan, but they acknowledge that there are no other loans associated with my SSN and they actually have no records of the withdrawals on their end. Further research on my end shows that these payments ( ending in -FDR ) have been taken since XXXX XXXX and have not apparently been applied towards my student loans.I 'm at a loss of what to do! Thousands of dollars are gone that I thought were going to my student loans but apparently were just disappearing into thin air. Navient is researching it, as is my bank 's fraud department. Obviously I need that money refunded, or proof of an additional, legitimate loan in my name.