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

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : DEPARTMENT OF EDUCATION/XXXX  XXXX
Product: Mortgage

We have been approved by a new mortgage company at a lower interest rate. PHH Mortgage will not honor our request submitted by both us, XXXX XXXX XXXX, and XXXX XXXX, on XX/XX/2020. After multiple, daily phone calls and speaking with multiple representatives, it is clear that this company is stalling vs. just letting us out of this high interest mortgage. 

The final straw is their stipulation for a calculation of payoff quote, they must have an internal appraisal completed. We opened our home to their hired appraiser XX/XX/2020, but after multiple calls and queries, they say, " we can't find her photos. '' The first couple of calls reported " She sent photos in black and white '' Also, we have been unable to get into our established online account to see documentation and payments, etc ... We have been shut out since we made first payoff request. 

Finally, each monthly payment we make is 99 % interest, so far we've made 3 payments AFTER the initial payoff request. ( 3rd -  XX/XX/XXXX coming up ) PLEASE help us get out of this horrible company and start paying on principle. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$500.00}, {$7700.00}, {$1000.00}, {$900.00}, {$1000.00}, {$5300.00}, {$5900.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-OPEN ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 







5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$900.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

7. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my account. 


-COLLECTIONS- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.
Product: Debt collection

In XXXX or early XXXX I went to XXXX Hospital Emergency Room to be seen. I was not treated since I felt better and left the waiting room where I had been told to wait since no beds were available. I never received a bill from XXXX Hospital  and only realized I was charged for this when it appeared on my credit history. I do not have the date of service, since I never received a bill or an attempt to collect. A complaint was made directly to XXXX Hospital  but it was already with collections. This derogatory mark on my credit history is making it difficult to qualify for a line of credit.
Product: Credit reporting or other personal consumer reports

My student loan balance with Mohela was transferred to XXXX in XXXX XXXX XXXX. On XX/XX/2024 I noticed that my student loan balance was showing with XXXX but also with Mohela causing my debt to be double the amount on my credit report. XXXX I submitted a dispute with all three credit bureaus for the inaccurate balance on my Mohela student loan. I attached the copy of the balance report showing XXXX balance from Mohela with my dispute. On XX/XX/2024, I received notification from the credit bureaus stating my balance of {$130000.00} was accurate with Mohela and that I made at {$720.00} payment in XXXX ( which I did not ). On XX/XX/2024, I called Mohela which they again confirmed my XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have always paid my mortgage online and in XXXX 2016, I inadvertently scheduled the payment on the incorrect day. When I realized the problem, I scheduled the correct payment date. 
The following month, I was unable to schedule an online payment, so I simply paid at the local Bank of America branch. I made my mortgage payments at a branch in XXXX and XXXX. 
I received a telephone call from Bank of America in XXXX, alerting me that I have not made the past two payments. I explained that I have the receipts for both payments and that I have the cancelled checks that they were paid by my bank. 
I was informed that I can only use certified payment through XXXX XXXX or XXXX XXXX. After attempting to make a payment through XXXX XXXX, I was unable to do so because the account information provided was invalid. I have no problem making my normal payments, but getting certified funds every month is logistically impossible due to my work schedule and taking care of my elderly parents, as my father has XXXX. 
I would like to return to making online payments.
Product: Credit reporting or other personal consumer reports

I have been monitoring my credit reports and have noticed a few accounts that I was unsure of. I didn't recall signing any contract agreements with these lenders. I also saw some accounts that seemed to be showing different balances and different payment histories. I requested that these accounts be verified so that I can ensure that they are 100 % accurate and 100 % verified. I sent this letter out on XXXX XXXX XXXX 

Upon completion of this investigation, My credit report is STILL showing inaccurate and unverifiable information. There is No way that these investigations were done properly. All 3 bureaus are reporting different figures on the same accounts. I asked all 3 bureaus to verify that this debt is mine and also verify the accuracy of the debt or remove it from my report. 

I am still finding inaccurate information on my report. This is hindering my ability to apply for credit as these accounts should have been corrected or removed as requested! 

The following Accounts are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply.

Please address ALL violations in a 30-day period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to XXXX, XXXX, and Equifax. 



Thanks again for your cooperation, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 and purpose.
Product: Debt collection

This collection agency is attempting to collect on authorized charges/billing of a medical provider. The items were disputed with the medical provider.
Product: Debt collection

I have received a5 letters and numerous phone calls from Diaz and associates. I told them to stop calling. I searched online and found out this is a scam company in XXXX The man repeated my social security number to me and was threatening. I do not have any account with this XXXX. I do not owe them any outstanding money. This is not on my credit report. I feel this is a scam and it needs to be corrected. I do not owe any money to these people .I have no idea what they are talking about. The phone number on their website is different from the phone number on their letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reporting all three credit bureaus to the Consumer Finance Protection board for reporting judgements, liens, and public records on my credit report in XXXX and XXXX they removed the items from my credit report, 2 yrs later the credit bureau XXXX put the judgements, and liens back on my credit report when I failed to monitor it, there are 2 tax liens for {$17000.00} from XXXX XXXX and {$17.00}, XXXX from XXXX XXXX that was reported by the internal revenue service, I sent the tax lien arrearage slips to the credit bureaus, and they removed them, and XXXX blocked me from entering the website, and started reporting a whole bunch of judgements, and tax lien, equifax has a paid off child support account theat they have not removed after 13 yrs they need to delete it, when they garnished my stimulus check, these credit bureaus are negligently reporting judgments and liens and is showing up on my credit as federal tax liens, I have submitted the judgements and tax liens as evidence that they are in violation of the FCRA. They need to delete these items from my credit report as they are private. XXXX, and XXXX, is reporting judgements/public records by XXXX court, when they are not supposed to, there is a XXXX XXXX XXXX XXXX account on my credit report for {$6700.00} that is an eviction judgement. The judgement is a court order and is not supposed to be reported on XXXX and XXXX are not supposed to be reporting it, 2 accounts for XXXX XXXX or XXXX XXXX XXXX, I signed no contract with that creditor so I don't owe anything to them, the bureaus are not supposed to be reporting it either there was no verbal, or written contract between XXXX to collect the debt that is now time barred XXXX XXXX XXXX had to remove the debt from my credit report so they sold it to XXXX XXXX without any 5 day notice or 30 day notice nor contract, XXXX XXXX took it upon themselves to try to report to the bureaus, if I have signed no contract or notice they are by law supposed to remove those accounts. They are also putting duplicate accounts on my credit report the bureaus do this purposely to drive the score down further
Product: Credit card

On XX/XX/year> I submitted a payment to First Progress Credit Card for {$250.00} using express pay for XXXX additional dollars. The payment has posted my balance is {$470.00} with an available credit of {$170.00}. When I asked customer service to correct it they said I owed from a purchase made in XXXX for {$180.00}. I have a screenshot and statements that say I paid down a statement balance of {$920.00} in XXXX to {$470.00} as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim of ID Theft and multiple Inquiries are reporting on my XXXX credit report from CitiCard, Exxon CitiCard, THD CBNA, and Best Buy CBNA. I have enclosed a letter with the dates of each occasion. I have contacted XXXX  explaining the situation and they have referred me to CitiCard to have the fraudulent inquiries removed. I contacted CBNA and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.
Product: Prepaid card

I was sent an electronic gift card from my uncle for XXXX in XXXX ( XX/XX/XXXX ) and I attempted to use it on XX/XX/XXXX to buy uniforms for my work from XXXX. It projected the payment saying that I didn't submit the security code but I did. I decided to instead use it for an XXXX purchase on XX/XX/XXXX. I attempted to use it exactly the way American Express describes on their site but it didn't work so I tried to use it on XXXX XX/XX/XXXX at XXXX XXXX it also didn't work. The card is an American Express electronic gift card for {$250.00}. I attempted to call various lines on XX/XX/XXXX and they just described how to use a card the same way the website does and still to no avail. So I came here as a last resort to try and get my money
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. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX 15 U.S.C 1681section 602A. States I have the right to privacy.

15U.S.C 1681 Section 604 A Section2 : 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 item of information, other than records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

In XXXX of 2015, I was asked to be a co-signer on a personal loan. After applying I was never notified or made aware of the payment or interest rate by the bank or the borrower to make a decision on whether I wanted to accept the terms and agreement and move forward with the loan. Upon finding out that the loan was actually taken out and I was a co-signer, I contacted the borrower and he advised he accepted the loan terms without my knowledge. I then contacted Navy Federal Credit Union and was advised I needed to sign the promissory note. In which I advised I was unaware of the loan and would not agree to sign it. I then made an attempt to contact the credit bureau to dispute it off of my credit report and it remained. On XX/XX/XXXX, I contacted Navy Federal again and was told that the promissory note was not signed and they did not need one to distribute the loan. Whenever you take out a loan the law requires you whether borrow or cosigner to sign the document which signifies your agreement to repay the money. In this case there is no agreement ( signed promissory ) advising that I accepted the responsibility of cosigning the loan with a payment of {$630.00} a month and an interest rate if 17.950 % for 60 months which is ridiculous. With this tells me is, if a person apply or in my case cosign a loan, I am a not provided with an agreement outlining the terms and conditions ( interest/payment ) and giving the opportunity to say either yes I agree with it or not I do n't. Which in this case I would not have agreed to it. I have not seen a promissory note nor does Navy Federal have a signed one on file with my signature agreeing to these terms. So essentially the process is - cosign a loan, provide no documents to cosigner to review and sign agreeing to the terms, just distribute the loan without the cosigner knowledge. If this is the process for Navy Federal Credit Union it is misleading and unfair.
Product: Mortgage

My mortgage of XXXX years was sold to NewRez LLC, I have never missed a payment, I added this to my bank bill pay as normal and paid my bill, it took XXXX days to clear, same thing the next month, come to find out NewRez LLC is a collection agency and does not take electronic payments! My bank bill pay sent a check! Thankfully, I paid my mortgage well before the due date or I would have had my XXXX late payment on my record, this is unethical in this day and age, a method to intentionally try to ruin credit and make things difficult, they claim the are a mortgage company but they are not, had I been paid on the XXXX and XXXX, I would have been in trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reasons for this. I knew I had outstanding credit. I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX  XXXX {$650.00} US DEPARTMENT OF ED XXXX {$7000.00} US DEPARTMENT OF ED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had names that were not mine, addresses that are not deliverable to me by US Mail and phone numbers listed on my credit report that I previously disputed. XX/XX/2022 I also noticed a new inquiry on my Equifax, XXXX, XXXX credit report for a RV company XXXX XXXX. I have no place, no need or room for a RV!!!! I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased Equifax lock feature to ensure this stops. I have fraud alerts and locked all my credit reports to prevent whomever from doing this again.
Product: Credit reporting or other personal consumer reports

Based on the Cares act for Covid 19 effective XX/XX/XXXX I requested late payment removal for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX per 15 USC 1681s-2 ( a ) ( 1 ) ( F ). ). I mailed multiple letters no response and when I called XX/XX/XXXX the representative told me that there wasn't a specific department to speak with about previous correspondence and system doesn't allow removal that far back so there was nothing that could be done contacting them. I want the late payments removed as I made payment and kept my account current.
Product: Mortgage

I just emerged from a Chapter XXXX. At the start of the proceedings CitiMortgage filed a claim for {$8000.00} in arrearages. The Trustee was to pay the {$8000.00} over the course of the Chapter XXXX. I was to continue to pay my regular monthly payment going forward. The Chapter XXXX ended in XXXX of this year. CitiMortgage claims that I am over {$5000.00} in arrears now. They told me in a letter that they will start foreclosure proceedings on XXXX XXXX of this year. They claim that I have missed XXXX payments in a row. I have sent them bank statements proving that we have made every mortgage payment since the start of the bankruptcy. 

More than XXXX Citi representative has admitted that they have used my regular monthly payment to cover arrearages. For instance. I was told that my first payment under the Chapter XXXX on XXXX went to pay the XXXX arrearage. Payments from both the Trustee and myself have been going to pay the arrearages before anything else. By no means have they separated the payments from the Trustee and myself. 

This is my understanding. " Payments from the trustee or debtor post-confirmation should be applied to payments due from the Petition Date going forward - not to the arrearages. All post-petition installment payments must be applied and credited to the debtor 's mortgage account as if the account were current and no prepetition default exists ( this includes any adequate protection payments received pre-confirmation ). " I have been told by a Bankruptcy specialist at Citi that this is how they do their accounting and there is nothing she can do about it. We entered into the Chapter XXXX in good faith. We made every regular monthly payment. The Trustee made all of her payments. Yet we are coming out of this being made to feel like a common mortgage dodger with a foreclosure looming over our head.
Product: Checking or savings account

On XX/XX/2023 while at work, I got a few alert emails indicating charges over {$100.00} were being processed. After looking on my account, almost {$1000.00} was spent at two different cities in the area while I was sitting at my desk. I immediately called Huntington, and the agent closed my debit card, said they would send a new one in 3-5 business days. Upon leaving work, I found out that someone got into my car the previous evening and took my card. On XX/XX/2023, the money that was spent by someone else, was credited back into my account. I waited on the debit card to come in the mail, and it never did, so I called Huntington again on XX/XX/XXXX. They told me the address I gave them wasnt good and the card was sent back and destroyed. The address I have is my permanent address, it NEVER came. They have since sent another which I am still waiting on. Today, XX/XX/2023 I had a notification from Huntington that there was a message on the account. Once I opened that, it had a notice of insufficient funds on it showing that the original reversal back into my account on XX/XX/XXXX was taken out of my account. I never received a letter that the investigation was complete and theyd be taking that money back. Charges include : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Totaling XXXX in charges I didnt use.
Product: Debt collection

I have never done business with XXXX, I don't even know what it is. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with this company.