23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Forty-five mortgage payments I made to Bank Of America starting in XX/XX/XXXX and continuing until XX/XX/XXXX were not credited to my mortgage until XX/XX/XXXX. Total this was almost {$17000.00}. BOA continued to charge me interest on money that I had paid to them for 4.5 years.They finally applied my payments in XX/XX/XXXX. 
I have asked BOA what they were doing with my money between XX/XX/XXXX and XX/XX/XXXX. The only response I have gotten from them is that they did apply the payments in XX/XX/XXXX.

I am aware that they applied these payments in XX/XX/XXXX, but I made the payments several years earlier. 
My question continues to be why didn't they credit my account when I made the payment instead of waiting over four years?
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$7400.00} Company : XXXX/XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Product: Mortgage

I have previously sent a letter asking that someone look into the loan practices of Wells Fargo Home Mortgage, and to date I have received absolutely no no help. I am hoping that now, someone will check into their loan accessing fee fee 's for late payment that have been paid. yet it never be taken off the loan. 
I have pad XXXX late fees. and sent them to the person over the cu Customer Care group, XXXX XXXX. Who is the Executive Resolution Specialist This was previously sent to the Federal Reserve Consumer Help. The reference # is XXXX. I am writing because my sister is deceased and and it is impossible for me to get this resolved. In that I am not on the loan, but I have sent the information that my sister quit claim deeded it to me along with her death certificate. I am paying the loan through my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix this problem with XXXX XXXX XXXX XXXX Experian and XXXX I disputed this for paid in full or off of my credit report for fraud XXXX XXXX XXXX agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for fraud
Product: Debt collection

I received a phone call from Portfolio Recovery Associates about the debt that is no longer on my credit and it is has been removed. They continue to call me and harass me at work and on my cell. They need to update their information and stop harassing people for no reason. My credit is clear and I do not owe anything to anyone.
Product: Vehicle loan or lease

On XX/XX/2021 I received a letter for Audi financial with a payoff for my leased vehicle. Their online system states that I own nothing at the turn in date for XXXX XXXX. However the account summary states that I own {$25000.00} due XX/XX/2021. Then I call Audi on XX/XX/XXXX to make sure that I have everything in order and they create another amount for {$25000.00} cents. Ive argued that the statement sent to me recently states to pay {$25000.00} by XXXX, 2021. They are not willing to honor the letter sent to me this week for the quoted amount, They want me to pay the higher amount.
Product: Credit reporting or other personal consumer reports

Hello I found three unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file.
Product: Checking or savings account

I told Capital One this was not my debt. They still continue to charge me. I submitted an application to have the fee reversed and collections terminated. They never responded
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an auto loan with Exeter Finance since XXXX and the amount of the loan was {$37000.00}. I have made continuing payments since that time of {$810.00} on a monthly basis and not one time have I been delinquent. In XXXX, 2022 in consultation with the company I was told for the first time that I need to pay a " balloon '' payment of {$3100.00} to pay off the balance of the loan. I asked the customer service representative if I can pay the amount that is still currently listed on the website for my loan of {$810.00} till the balance is paid in full. The representative said that would be fine and it would satisfy all the requirements of my loan. I made that payment however yet Exeter informed all the credit agencies that my account was now delinquent in XXXX this for the first time ever for this account. I have since spoken with Exeter and they will not erase that red mark on my credit reports. I have also told them, that with the remaining balance of {$2300.00}, I am willing to pay that in full. I also would have paid the full {$3100.00} on the loan if I knew that it would create this issue. The agent from Exeter did not have any issue for me to make this monthly payment to satisfy the loan requirements. I ask your agency to have Exeter remove that delinquency from the 3 credit reports as it should not be there in the first place as discussed.
Product: Credit card or prepaid card

Barclays site does not allow entering the full length of all possible checking account numbers. They simply cut off the last digits and don't warn the user. 

They also let you make payments, not just once, but twice or more on an invalid account number. They will also charge you a return payment fee for each time this occurs even though the error is partially due to their faulty web site. 

They refused to refund the fees, or even reduce it to one charge even though they know the account as invalid per their letter. 

This was not a old account, this was a new account and I was simply trying to get bill pay work properly.
Product: Credit card

I had XXXX disputes with Capital one, the first one was with XXXX XXXX XXXX XXXX  and when I paid in full for the reservation through cheap ticket and paid in full for it and by the time of picking up the car they just asked for a credit card as a security and I provided them my capital one and after returning the car an leaving the XXXX and XXXX weeks later they charges=d me again for the full amount which was {$1600.00}, technically I paid {$3200.00} for XXXX rental and when I escalate the situation Capital One sided the car rental and not me even when I sent them the confirmation and proof that I paid for it through cheap ticket they cared less and honor the scammer from other country rather their XXXX  years customer with no record of default or bad payment, second incident was when I booked XXXX tickets through cheap o air and because of a death in family I had to change my tickets and when I contacted the company they said I can do it through the Airline which was XXXX and I contacted the XXXX XXXX and they agreed to charge me additional {$200.00} and postpone my trip but it had to be via cheap o air and when I contacted them first they called me Lier and then when I brought the XXXX XXXX on call and they confirmed it but the agent asked them to make the change XXXX hours before flight but cheap o air did not take any action in purpose until the day before the flight and when I complained they hanged up on me and again Capital One honored the outside of XXXX XXXX instead of their XXXX XXXX customer, so far I lost {$3200.00} to Capital one 's dishonest service
Product: Credit reporting or other personal consumer reports

This is the refilling of my complaint to TRANSUNION. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this request for the following reasons : 1. I have not received a response regarding the incorrect information on my credit report from the credit reporting agencies in many, many months ...

2. There are late payments on my credit report but I was never late on these accounts 3. There is incorrect or old information on my credit report that should not be there ... 
I have properly notified XX/XX/XXXX, TransUnion and XX/XX/XXXXregarding these issues multiple times, however, the incorrect information is still showing up and I don't know what else to do at this point. I am not receiving any information ...
Product: Mortgage

On XXXX XXXX, 2016, we suffered a water damage and we received a check from our insurance company on XXXX XXXX for {$20000.00} that we were obligated to endorse to our mortgage servicing company, XXXX. They kept the money and sold it together with the loan servicing contract to Nationstar Mortgage LLC of XXXX Ohio on XXXX XXXX. We had asked Nationstar not to accept this money since it belongs to us. 
We do not owe any money to either the lender or the serving company. Our home is worth {$830.00} to {$850000.00} and our morgage is {$470000.00} at this time. 
There are no reason for Nationstar not to send us a check and of course we are becoming more and more frustrated since we had to pay for ALL the repairs ourselves in a time of need. 
We understand that it is a common practice of Nationstar as XXXX XXXX XXXX currently investigates Practices of Nationstar Mortgage With Respect to the Release of Insurance Claim Proceeds to Borrower. 
This creates hardship to us and we certainly would appreciate if you could give Nationstar a call to expedite the process, as we do not know at this stage whether we should call the attorney general to file a complaint for robbery. 
We thank you in advance XXXX and XXXX XXXX
Product: Checking or savings account

Bank of America stated that my account has been converted from eChecking account to an account where it requires {$1500.00} monthly balance. I was not aware of the change, until I looked at the recent statements, where it shows two, $ XXXX monthly service charges. When I called the customer service line, they stated they were not able to waive the fees.
Product: Debt collection

I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX XXXX and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to Midland Funding XX/XX/XXXX. Since this account was paid in full XX/XX/XXXX, it is MORE THAN 7 years old and the good credit is the correct reporting. On each and every credit report it is duplicated and now in triplicate with Midland Funding showing up as well as XXXX with XXXX negative and XXXX positive for the same account number. 

I do n't understand why number an account that is paid in full was sold to an outside collection agency and why can both XXXX and Midland funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XX/XX/XXXX.
Product: Credit card

Subject : Breach of Contract American Express Platinum Credit Card Denial Company Name : American Express Application Reference Number : XXXX Complaint Details : I am filing a formal complaint against American Express for breach of contract, deceptive business practices, and financial harm caused by their unlawful denial of my American Express Platinum Credit Card application.

In my original contract, I explicitly stated that my application was to serve as security collateral, and I confirmed that I am in full capacity to contract, being over the age of XXXX. On XX/XX/year>, I spoke with XXXX from the Reconsideration Team, who assured me that he would push my application through for approval. I have a recorded call confirming this assurance. 

However, when I followed up on XXXX XXXX, XXXX ( XXXX ), Account Supervisor, informed me that my application was denied and that she had no control over the approval or what XXXX had promised. 

I have recorded evidence of both XXXX and XXXX statements, confirming the misrepresentation and breach of my agreement. 

The actions of American Express has VIOLATED multiple federal regulations and consumer protections, including : 1. Breach of Contract American Express acknowledged and understood my contractual terms yet failed to uphold them.

2. Deceptive Business Practices Under the Consumer Financial Protection Act, misleading consumers regarding credit approval is illegal.

3. Fraudulent Inducement I applied based on a clear assurance of approval, which influenced my financial decisions.

4. Unjust Denial & Financial Harm The companys denial has caused significant financial damage, requiring immediate rectification.
Product: Debt collection

I received an inaccurate, erroneous, and false debt collections letter from " Columbia Debt Recovery XXXX, '' d/b/a " Genesis '' ( hereinafter " Genesis '' ). For the avoidance of doubt, and for the sake of emphasis, nothing in this Complaint is an acknowledgment or admission of the accuracy or existence of any debt allegedly asserted to be owed to Genesis.

Within 10 days of learning that Genesis had attempted to contact me regarding this false debt ( hereinafter " False Debt '' ), in accordance with the Fair Debt Collection Practices Act ( " FDCPA '' ), Genesis was contacted with a request for validation and verifying information ( the " Validation Requesting Letter '' ). This contact occurred via the methods and contact information explicitly provided by Genesis.

This request for verification, validation, and alleged proof of False Debt included a request for, including but not limited to : a ) the names of the creditors and account information to whom the False Debt is allegedly owed ; b ) the amount of the False Debt, including supporting documentation ; and c ) details about Genesis ' authority to collect the False Debt. The Validation Requesting Letter has been attached in its entirety via the Complaint submission form. Additionally, I have provided the metadata of the Validation Requesting Letter, which proves that it was created and last modified on the date that it was sent to -- and received by -- Genesis.

Contrary to the requirements of the FDCPA, Genesis did NOT provide notice or an adequate response to the Validation Requesting Letter. None of the information requested of Genesis was provided, nor was any additional notice proffered. No information or validation was given regarding any of the details, information, or proof of the False Debt. 

As of today, XX/XX/2024, I have been informed that Genesis has filed a " Derogatory Mark -- XXXX XXXX XXXX Collections '' with at least the credit reporting agency XXXX. In parallel with this Complaint, a complaint and dispute is similarly being filed with XXXX to dispute this XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the aforementioned items are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

During the hiring process with XXXX XXXX, they ran a third party background check via Sterling XXXX XXXX. They provided XXXX with Information that is nine years old and my job offer was revoked based on the old information. The report was requested on XX/XX/2019, my report was complete and given to XXXX on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Ive contacted Experian, XXXX XXXX XXXX by mail requesting my credit report and detailed information from my credit report due to me having identity theft previously. I sent them mail on three different occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. They all responded and said they will take no action because its not me. Ive attached my Drivers Licenses & Proof of Address with letters. 

I called Experian today XX/XX/XXXXXXXX XXXX XXXXXXXX EST, and spoke with Representative XXXX and she told me she gets this call a lot and an automated systems reads letters and decides no real person reads letters. She had to escalate my issue. I was escalated to Supervisor XXXX who states I can request information by mail that I can do it over the phone and he said TAKE IT OR LEAVE IT. I told him FCRA states I can request my information and I want it sent my mail I dont want to dispute over the phone due to fraud previously. He said I cant get it and thats the law.
Product: Vehicle loan or lease

Toyotas total loss team is stating that they received a denial from gap on XX/XX/2025 but XXXX advised them on the same day in the afternoon that they dont records of them sending nor receiving any information from Toyotas total loss team. I have been calling XXXX  to see if they have received the documents from Toyota and they state that they havent. So I been trying to get both departments from Toyota to resend those documents to XXXX  so they can look over them and make a determination of payment for XXXX  but both departments are just transferring back and forward or not wanting to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed Disputes dated back to XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX none of which have been resolved.
Product: Credit reporting, credit repair services, 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 account # 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

these accounts appear on my credit report, they do not belong to me, please check them. 
Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 

5. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 
7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.