23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company sold my morgage to Dovenmuehle Mortgage Inc, in XXXX 2016. I called the company in XX/XX/XXXX, requesting information regarding my account number and payment. At the time, the mortgage company did not process my account, and that the company would mail me all the information. The company informed me that they would not double up my bill ( bill me for two months ) as I had a grace period.. 
XX/XX/XXXX the company sent me a bill, two months of back mortgage. The company just sent a bill, XX/XX/XXXX with no letter introducing the company, no billing information in terms of when this is due. I called the company immediately and asked where is loan servicing agreement that states loan payment, insurance payment, and tax payment. They stated it was previously mailed, but they would mail it again. On XX/XX/XXXX, I called again requesting information as another bill came in with a late payment was sent. I again asked for the loan service information, tax payment and insurance payment. The costumer service representative could not fax nor fed ex the material. They assured me that I would not be billed for the late fee and that I had until XX/XX/XXXX. I requested that they call their other payment department, which the representative could not provide. Furthermore, the representative provided an excuse that the US Postal service must have lost the previous mailings,. I also requested a direct line to customer service, or an email address, but I was denied stating that they do not allow direct line conversations. I was refused to speak to someone higher in the department. 
I went on line to create an account and I can not access my account. 



What are my rights to pay the bill with something more official?
Product: Credit reporting or other personal consumer reports

The account is past the XXXX years that it's to be reported. I reached out to Equifax and they did an investigation and it shows on annual credit report.com as well as the Equifax website that the account XXXX delinquency is XX/XX/2017 and that the account is closed. However, Equifax states this information isn't correct in their system. They are disputing what it shows on their website as well as XXXX I would like Equifax to remove these accounts for there are multiple that are closed and past the XXXX yr mark. Equifax is constantly stating these accounts aren't closed. This is hindering my ability to obtain credit.
Product: Mortgage

i am in the process of refinancing my loan to a lower interest rate. As a result, the loan will originate with XXXX XXXX XXXX, and my current loan with M & T Bank will be paid off. The payoff letter includes a late payment fee with a 0 day grace period. All of my statements have a 15 day grace period, and is also a requirement for VA loans. I can not get M & T bank to issue a new letter correcting the late fee. And, the title company must include the late fee in the payoff amount, as directed by the letter. I have called multiple times, as has XXXX XXXX to get the letter corrected. As of today, XX/XX/2021, ( letter is dated XX/XX/2021 ), i am unable to get a letter. Every representative I speak to, indicates that their 'system ' doesn't allow them to amend the letter. This is liken to a penalty for refinancing with a different company.
Product: Checking or savings account

I was trying to open an account with United bank and they declined me because of early warning services or XXXX. Even with that, I sent them my identity theft report in which someone opened XXXX accounts using my name and information. None of which are mine. Despite explaining this, I was denied a new account.
Product: Credit reporting

Equifax has not corrected their information on my credit report. The XXXX account is still reported as open when it is actually closed. The Merchant closed this account and reopened another. Please assist in helping me get this information on my credit file corrected.
Product: Credit reporting

My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, Equifax , and XXXX. They did not do a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$110.00} on the -XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned the equipment within the time frame outlined in their contract. The representative I spoke with confirmed the closure of the account and verified that the account was in good standing. I did not know I had a collection from XXXX until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I was the victim of identity theft. Fortunately, I was able to catch it fairly quick and the fraudster was only able to open up two accounts- a credit card and a personal loan. I was able to very easily work with the credit card company to dispute the account and it was closed in a fast and efficient manner. I filed a police report with XXXX XXXX Police Department at the time of the event. 

A few weeks later, I noticed the personal loan and immediately got in touch with XXXX. I was told they would be unable to do anything until I provided a police report. I attempted to work with them on other options in the meantime to ensure they didn't report this as fraud to experian and the other credit agencies. I was told they are unable to do that and they would not take action until they had a police report that said XXXX on it. I was also told that if I provided a police report case number they could work with XXXX directly to take care of it. 

I went back to the police station, added dignfi to my complaint, and request a copy of the report. XXXX is fairly backed up and I still have not gotten the report. I tried emailing XXXX to work through next steps and gave them the case number. I have sent XXXX unanswered emails since XX/XX/XXXX. 

In the meantime, they have called me to try and get a payment on the loan and have also attempted via the mail. 

Additionally, when experian reached out about my dispute, XXXX reported it as legitimate. 

On top of all of this, I asked XXXX when I was on the phone what kind of XXXX  they conduct and they told me they do not require a copy of an ID to get a loan which I found disturbing. 

Overall, the customer support has been terrible and they still have not resolved this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account Number : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) Section States : no consumer reporting agency may make any consumer reporting any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170000.00} - Late/Open XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX XXXX Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$46000.00} - Chargeoff XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand the immearate deletion or accuracies listea on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or XXXX verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection with XXXX several times in the past year. The collection agency is Transworld systems Inc. 
XXXX XXXX XXXX XXXX, DE. XXXX I have disputed this debt with XXXX several times in the last few years. Every times it comes back as verified by XXXX. I have contacted the collection agency several time over the past few years as well, every time they say that they have not received the validation or verification of their debt from the original creditor XXXX XXXX XXXX. I contacted the original creditor and they have stated that they have no information regarding this debt and are not able to produce the necessary paperwork. 

I have informed Both XXXX and Transworld Systems Inc. That if this information is not able to be verified by the collection agency and the credit bureaus that it should be deleted from my account and that if it is to be verified and validated that I would be willing to take take of the matter ASAP. 

This negative information is hurting my credit worthiness and I have been trying to resolve this issue for to long of a period for it to not have been verified, validated, and resolved.
Product: Credit card or prepaid card

I was a victim of identity theft in XXXX  and filed a police report and several notarized Identity theft affidavits and Comenity Bank/Buckle has refused to resolve the fraudulent charges and remove the delinquencies from my personal credit reporting agencies.
Product: Payday loan, title loan, or personal loan

I was contacted by message, after applying for a loan. Said I was approved for XXXX dollars, and money would be deposited into my account. I contacted them after looking the up, and it did show as ligitiment number, and Company. However on XXXX XXXX, 2017, a deposit in the amount of XXXX was deposited as a payroll mobile deposit. All of my accounts are now locked until further notice. So now I have no way to access my accounts to pay my rent. When called, the company said it was on hold because of a low credit score and that they could continue the loan through XXXX XXXX, and cost me XXXX  dollars.
Product: Consumer Loan

I co-sign w/ my husband for a car loan in toyota motor credit on XX/XX/XXXX. The car was sold to XXXX on XXXX XXXX, and account was closed and PAID as agreed. Toyota report my car loan INACCURATELY coz they put in status account included in Bankruptcy. This account is a Reaffirm debt that was PAID as agreed. I wrote Toyota a letter to request that they delete the inaccurate reporting but they responded they will continue to report it included in bankruptcy even it was PAID OFF.
Product: Checking or savings account

I open a XXXX  checking account with Capital One Bank lately, less than 2 months After I deposited two checks from my XXXX, Capital One made my available balance to {$0.00}, first check was deposited XX/XX/XXXX with amount {$10000.00}, the second check was deposited XX/XX/XXXX with amount $ XXXXits been 2 weeks now, I called the Capital One Bank , they were informing me that they will need more documents from me to approve I am the XXXX XXXX XXXX XXXX XXXX XXXX, I have to wait from Capital One Bank send me email or phone calls in three business days, but until now I receive nothing. I do have my documents ready which they were telling me on the phone, they don't even send me a letter or mail tell me the reason my account on the hold, just put my account balance to {$0.00}, this is XXXX  checking, I have to keep XXXX XXXX running, please help me, at least get Capital One talk to me help me fix my issues, please!
Product: Credit card

I was fraudently charged over 30 times for over {$550.00}. I am a XXXX XXXX  on fixed income and need the money for food and rent. XXXX and Google pay each say they are not responsible by email. Conveniently they have no phone number. I want a hearing or arbitration as they will not appear with me.
Product: Debt collection

I had gone to the XXXX  in XX/XX/2022. I did not have Medicaid at the time but the following month i started receiving Medicaid. The Medicaid was going to cover previous medical bills. This is the first time I am getting notified about this information is there anyway I can speak to someone or send my Medicaid information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} NCB ( Original Creditor : XXXX EXETER XXXX XXXX ) XXXX XXXX XXXX {$3900.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$47.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$38.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$43.00} XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$34.00} XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX ) XXXX Balance : {$43.00} XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$39.00} XXXX ( Original XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$45.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$36.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX : {$47.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$38.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$43.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$270.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$47.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$47.00} XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$47.00} XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX ) XXXX Balance : {$38.00} XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$39.00} XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$38.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX : {$39.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$38.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$38.00}
Product: Student loan

The company is unable to provide any loan payment history, nor the total principal balance of the loan at the time of loan payments started ( i.e., when I graduated ). 

My credit score declined due to " Edfinancial balance increased {$18000.00} between XX/XX/XXXX and XX/XX/XXXX '' which is impossible because I have been out of school since XXXX, regularly paying the full monthly loan payment amount, and have not borrowed a cent more since prior to graduation. 

I do not want my loans to be handled by a criminal organization like Edfinancial. It's unacceptable that they are unable to provide an accurate history of my loans.
Product: Credit card

I called to change my flight on XX/XX/XXXX due to a last minute schedule change. I was advised that the change fee was HKDXXXX if I were to rebook, or I can cancel and get refund after paying {$1800.00} HKD  per passenger. Due to the lower change fee than the cancel charges, I chose to opt for the rebooking option. 

When I tried to rebook the ticket today ( XX/XX/XXXX ), I am now told it's in XXXX. They told me the wrong currency. 

If I had known that it's in USD, I would have just canceled and get a refund and book a lower priced ticket via another airline such as XXXX ( see attachment for the lower price ). 

Not only do they refuse to address the issue right away, they asked me to still pay for the {$500.00} USD while they investigate this issue in _6-8 weeks_. In addition to being on the customer service line for 50 minutes, they are not able to provide any written confirmation of this communication. I requested a refund of the fare difference between economy and my credit ( the savings I would have had if I just opt for the cancellation rather than rebooking ).
Product: Debt collection

XXXX XXXX and XXXX have been settled and closed as of XX/XX/2020 but Experian is still reporting balances on these accounts and they should be reporting as XXXX.
Product: Credit reporting or other personal consumer reports

I am REWRITING to EQUIFAX to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report numbers related to this complaint are XXXX, XXXX, and XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under XXXXACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months, I've reached out to XXXX, Experian and XXXX to notify them of the below errors. They have failed to properly investigate. The XXXX Account XXXX that is reporting 8 late payments was serviced by XXXX back XXXX 2019. I do not ever recall being late. I've asked for proof and I've received no response. XXXX has been accused of misapplied payments, surprise late fees, processing delays, and misrepresentation of repayment. I have been a victim of their negligence and want these late payments updated to show that I was never late. In addition, I've notified XXXX, Experian and XXXX of the XXXX XXXX Accounts XXXX and XXXX which are riddled with inconsistencies and inaccurate information that can not be true. They have not investigated nor updated the accounts so they are consistent. All 3 credit reporting agencies are reporting different high balances, dates of last activities, date opened, account ratings, dispute statutes, and the date of the last payment. How is this possible if this is the same account? See screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a car out with credit acceptance about 8 years ago..I got into an accident the car was deemed a total loss and my gap insurance paid the car off in full amount.Credit acceptance reported the car on my credit report as a voluntary repossession which is incorrect and they also have had a hold of my credit by doing this for the last 8 years.once again the car was paid for by my insurance and credit acceptance still has a hold on my credit I believe this is based on XXXX profiling as I been told by many dealers
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.