23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently refinanced my home mortgage. The payoff exceeded the balance of the note by {$2000.00}. The loan paid off was serviced by Round Point Mortgage Servicing Corporation. The loan was paid in full on XXXX/XXXX/2015. As of today I have not received the balance of the overpayment nor have i received a date as to when I will receive my funds. I have spoken to RPM 's customer service and have yet to be the beneficiary of any of their promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to have late payment forgiven for kohls made in XXXX XXXX days. I was late due my job cutting my hours in XX/XX/XXXX and XX/XX/XXXX and then laying me off due to covid 19. In XX/XX/XXXX. I requested forgiveness for late payments made to td bank In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
I was laid off in XX/XX/XXXX. I contacted both companies and did not forgive after phone calls and sending good will letters. XXXX XXXX  would not remove payment made late in XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. My hours were cut in XX/XX/XXXX and I was laid off in XX/XX/XXXX. They closed my account knew I was in Hardship and refused to help at that time. I had since then made payments on time for all three credit cards. I contacted company and refused to give me forgiveness even after closing my account and good will letter. XXXX XXXX I contacted company with goodwill letter and refused to forgive. XX/XX/XXXX late payment I was laid off. XX/XX/XXXX XX/XX/XXXX my job cut my hours. In addition household closed my account. I was late in XX/XX/XXXX but my boss cut my hours. They also closed my account and refused to forgive after phone call and good will letter. XXXX  late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they refused to forgive my late payment Even after I sent the goodwill letter and called them. Also I my job cut my hours in XXXX XXXX and XX/XX/XXXX was laid off in XX/XX/XXXX. This why I was late I have made my payments on time since then to all companies listed.
Product: Credit card

We are currently past due on our payment to chase card services. 

Their collections and past due department has been calling us between 1 and 3 times a day on both my office line and our cell phones. The only reason we know that it is chase is the callerID information and a google search of the number. ( XXXX ) On the cell phone, the automated dialer hangs up without playing any message or hangs up on the second or third ring. ( I 'm pretty sure that it 's hanging up on the 2nd ring, and the variance is from the cell network ) In the case of the office number, their automated dialer allows the phone to ring exactly one time before hanging up, and disconnects the call 100 % of the time if answered instantly. ( I programmed the office phone system to answer that number immediately and connect to my desk via a conference call. they still drop the call within a few seconds. ) At this point, I just want the calls to stop. 
The office line costs us money for each call, so I called the number back at some time between XXXX XXXX and XXXX to notify them that the dialer was not working and request that they remove the office line from the contact list. 

They did not remove the office number. 

I called the number back for the second time on XXXX XXXX at XXXX/cst to request that they fix the dialer, and informed them that If they did not remove that number from the call rotation I would be filing a complaint for failure to honor my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Hard Inquiries under 15 USC 1681b Dear Equifax, I am writing to formally dispute several hard inquiries listed on my credit report, which I believe to be unauthorized. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I request the immediate removal of these inquiries from my credit report. 

The inquiries in question are : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX inquiries were made without my authorization and therefore do not meet the permissible purposes required for inclusion in my credit report under 15 USC 1681b. According to this section of the FCRA, a credit report may only be accessed for specific permissible purposes, and unauthorized inquiries should not be reflected in my credit report. 

Under the FCRA, you are required to investigate my dispute and correct or delete any unauthorized or unverifiable information within 30 days of receipt of this letter. Please provide me with a written statement of the results of your investigation and a free copy of my credit report if the dispute results in any change. 

Thank you for your prompt attention to this matter. 

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

Upon reviewing my credit report, I noticed there is some unauthorized and inaccurate accounts on my credit report. ( XXXX XXXX ) is removed off my XXXX report but still reporting the inaccuracies on my Transunion and XXXX report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. FCRA section 605b Law 15 U.S.C 15 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

TITLE 15. COMMERCE AND TRADE 6802. Obligations with respect to disclosures of personal information, 15 USCS 6802 ( a ) Notice requirements. Except as otherwise provided in this subtitle, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 503 [ 15 USCS 6803 ].

( b ) Opt out.

( 1 ) In general. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 504 [ 15 USCS 6804 ], that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise ... Account : ( XXXX XXXX ) Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to notify you that I have been a victim of identity theft, resulting in the appearance of several fraudulent entries on my credit report without my awareness or approval. XXXX Unapproved accounts and XXXX inquiries have been added to my report, none of which were authorized by me. 

ACCOUNTS - XXXX XXXX XXXX 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 XX/XX/XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and now request the prompt removal of these fraudulent items to maintain the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been repeatedly billed with auto debits for {$16.00} by Equifax to my checking account. Each time I call and provide all the answers to their questions I am put on a brief " Hold " for a minimum of 30 minutes, then transferred to a recorded survey asking me about my service without ever being connected to anyone to resolve the reason I called in the 1st place. This has haooened over a dozen timnes over the last 6 months. Today, XXXX I called in as I see that EQIFAX is now double billing my checking account for the {$16.00}! Called to their customer service line, spoke to " XXXX " no last name permitted with an employee ID # XXXX who put me on hold after I provided my personal information and she too put me on hold whereby after 30 minutes the line disconnects! To add insult to injury I was involved with their data breach and my EQUIFAX should have been free. i'd like my checking account to be credited the {$16.00} since the breach. Equifax has controlled the customer service numbers to the point the initial representatives have no authority to resolve any inquiry and put all calls on a " Brief Hold " that are never responded to,,,,
Product: Credit reporting or other personal consumer reports

I sent in a 1099C to the I.R.S. on XX/XX/2023 the debt was canceled and it was remove from my credit report and showing a XXXX balance and I received an email from Experian informing me that balance is now XXXX. A month or so later I notice that the account was back on my credit report with the same balance.
Product: Credit reporting or other personal consumer reports

XXXX has reported inaccurate information on my credit report showing my accounts payments are late in which is not true at all and Im very upset because their error caused my credit score to go down.
Product: Mortgage

Bank of America has been servicing my home mortgage for years. I pay bi-monthly and recently XX/XX/XXXX and XX/XX/XXXX they started adding a {$4.00} payment process fee each time to make the payment. This has not happened in the past but recently started.
Product: Credit reporting or other personal consumer reports

There were late payments reported on my auto loan account that were not accurate. I had submitted supporting documents from the auto lender and the late payments were then removed by TransUnion. A week later the late payments were inaccurately reported again by TransUnion. XXXX also reported late payments that are not accurate on my auto loan account. There should be no late payments reported on these accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following accounts. I have never opened or used the accounts listed below. I am requesting the following information to be deleted from my early warning consumer report immediately. I attached a copy of my report to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

you wrote me about my address not being right or that you need proof of the address that you have for me these are all the same address they are just written in different ways but are the same address XXXX XXXX   XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX and XXXX are same BORO you will not get any ID or utility bill from me so keep sending all correspondence to the address that is on file
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian " validated '' the debt I disputed XX/XX/2023 for XXXX XXXX. I have NO IDEA what this is, where it come from and it is now affecting my ability to apply for a mortgage! They validated the debt with out anything I required ( within 30 days, the original signature on the contract ). XXXX and XXXX have not removed the debt either and it's been over 30 days so this should be removed on all bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2023 I mailed out a notice to Experian XXXX giving them 14 days to correct my information because it was a misrepresentation of me. They did not reply in writing as I had asked for them to. On XX/XX/XXXX, I made a claim through the CFPB regarding the incorrect address along with other incorrect information which I had found out that was being reported on my credit report. Today is XX/XX/XXXX and majority of the incorrect information is removed, except for the incorrect address in which I have not resided in for the last 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

" A_ _ _ _ _ a '' is an old debt on my credit file. I requested the three ( 3 ) credit bureaus delete this account from my credit file. XXXX  and XXXX  agreed and deleted the account. 

Experian will not delete this account from my credit file, even though Experian has a Fall Off date of XX/XX/2020. 

I am currently applying for a loan and Time is of the Essence. I need for Experian to Delete this account from my credit file. I see no reason why Experian would not accommodate me and delete this file per my request, especially since this account is to be deleted XX/XX/2020 per Experian 's report. 

Your help will be very much appreciated, as my direct request to Experian has not been successful. 

Thank You,
Product: Credit card

I had Capital One Silver Quick quite few years. In XX/XX/XXXX by email they offered me up grade the card. I thought its good and I took an offer. 
On XXXX statement I had cash reward balance of {$670.00}. 
In XX/XX/XXXX statement says we are no provide your Reward Summary In XX/XX/XXXX statement reward balance XXXX. 
So I called Capital One on XX/XX/XXXX talk to XXXX and I requested to change my card back to original Silver Quick get my cash value reward back. XXXX said he can not do it. So I requested to talk to supervisor. Supervisor gave me case # XXXX to charge back card. 
XX/XX/XXXX Capital One XXXX called me said they will not do that.So requested to send me in writing what contract I have with Capital One. She refused my request. 
Now I have mile of XXXX which cash value of {$340.00} They use teaser word of up grade and tricked me. As a result I lost cash value of {$310.00}. I want my cash back of {$670.00}.
Product: Debt collection

Law firm XXXX XXXX based out of Texas contacted me on XXXX. Stating that a civil lawsuit will be filed regarding US Bank that was opened in XXXX and closed XXXX. The original amount of the over draft if I remember that far back was {$40.00}. The agent said US Bank is seeking {$3500.00}. The debt is XXXX old. I never made payment on it. The collection agency must have fraudulently made payments as if I was personally making payments to keep debt open over statue limits. I have not been in contact with US Bank or their representatives since XXXX. The debt is old. The over draft amount was {$40.00} and they want {$3500.00}. I went to XXXX municipal court and seen no filings with US Bank. This lawfirm said they sent a courier out to my house. The debt is almost XXXX old because I did not have the bank account opened from XXXX. I believe it was closed the same year of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem all the way back to XXXX, when my bank, XXXX XXXX, made a {$10000.00} coding error on the check I had written to XXXX XXXX XXXXXXXX to pay my monthly credit card balance : XXXX XXXXXXXX XXXX received {$10000.00} less than what I had written the check for. For the next three years, I tried to resolve the issue through letters and phone calls, but without success. So I put the issue on the back burner, and just continued my practice of paying my credit card bill in full and on time every month, minus the {$10000.00} that was in dispute. 

The credit card was later taken over by Barclays, and a couple of years ago, I made one last attempt to resolve the issue by writing a letter to Barclays explaining the history. I followed up on the letter and spoke with several different people at Barclays. However, I was told that there was nothing they could do, because the dispute arose when the credit card was held by XXXX XXXX XXXX. They suggested I contact XXXX XXXX  XXXX, which I did ( by letter and phone calls ). I was told over the phone that the issue was a " dead end, '' because they only keep records for seven years, but the dispute arose in XXXX. There was never any response to my letter to XXXX XXXXXXXX XXXX, so I made the decision to cancel my credit card, which I had first obtained in XXXX. I made my final payment of what I owed to Barclays ( minus the {$10000.00} in dispute ) and included a letter explaining why I canceled the credit card. For about six months after that, Barclays continued to send me statements for the {$10000.00} and interest, but then they stopped -- and they have made no attempt to collect the money from me. 

I got a new credit card and went on with my life, assuming that was the end of it. I never thought about the impact this could have on my credit scores, because I have been debt free for more than 25 years, and had no intention of taking out any loans. However, I recently decided to explore getting a HECM, and that is when I discovered that this old, unresolved dispute had seriously damaged my credit scores. The mortgage broker told me that I may have to set up a Life Expectancy Set Aside ( LESA ), even though I have always paid my property taxes and homeowners insurance premiums on time. 

It is very unfair that my credit scores have been damaged by a very old dispute that I tried for years to resolve, and that I am now told is impossible to resolve because the banks only keep records for seven years. So I am caught in a financial Catch 22. I am attaching photos of three of the key letters I wrote over the years. Any help you could give me to help me fix my credit scores would be greatly appreciated. Also, it is clear that the formulas for credit scores make no sense, when you have someone like me ( very responsible, no debt, substantial assets ) getting below-average credit scores.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting on my credit reports that I have not paid this company near {$700.00} as they've sold the debt to a " law firm '' LLoyd and Mcdaniel. I have made payments to XXXXLoyd and Mcdaniel after receiving a threatening letter in the mail as they are referencing XXXX XXXX. I have complied to this company to resolve the debt after being threatened of legal action making payments of XXXX every month. XXXX XXXX has reported that I am still owing XXXX to them, which is false. I have tried resolving the matter with the credit bureaus without any success. XXXX XXXXXXXX is now emailing me to sign some form which I have not after the unlawful tactics they've pulled. I am requesting that they update my balance to the correct amount along with my credit reports. If they are willing to settle for a lesser amount I will negotiate.
Product: Payday loan, title loan, or personal loan

I was denied a personal loan by Vystar Credit Union unlawfully under the EOCA and 15 usc 1681n.After filing out loan application on Vystars online banking app I was informed that I was denied for no lawful reason even tho a inquiry shows on my credit report indicating that a consumer transaction took place.
Product: Credit reporting

I filed bankruptcy in 2007 it is still showing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX as well as Unauthorized Inquiries they said is XXXX XXXX. XXXX Bank XXXX XX/XX/XXXX,, XXXX XXXX XX/XX/XXXX, XXXX BANK XXXX XXXXXXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/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 furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX I was the victim of fraud in my Citibank checking account. Multiple ( 5 ) wire transfers were attempted ( not sure if they were completed XXXX to unknown parties. Citibank advised that the 10 or so VALID " pending '' debits ( including my mortgage payment ) would be declined since they had to put a TEMPORARY block on my account due to the fraud. I was advised I needed to open a new Citibank checking account and then call back to have the TEMPORARY block momentarily removed so that my actual funds ( {$2700.00} ) could be transferred to my new account so I could access them. When calling Citibank back after opening the new account, I was told that due to a representative error ( she " chose the wrong option '' ) my account was now PERMANENTLY blocked. I was told in order to access my funds I would now either need to travel to a Citibank branch ( I am XXXX and located in NJ - the nearest Citi branch is in New York State ) or wait 60 days for access to my money! I was also locked out of my online account access so I have no way to see what 10 pending debits Citi planned to bounce on me ( so that I could notify payees! ) THIS IS UNACCEPTABLE. I was the victim both of fraud and of Citibank 's ineptitude and negligence and I NEED ACCESS TO MY MONEY. PLEASE!!!!!!!
Product: Credit card or prepaid card

I paid my XXXX XXXX credit card bill in full for XXXX on XX/XX/XXXX. On XX/XX/XXXX I attempted to charge XXXX on my card and was denied several times even though my credit line is XXXX and my balance is only 2000. They deducted the payment from my bank on XX/XX/XXXX and told me they were holding my payment for 7 days and would not release my credit line until 7 business days after my payment posted even though the payment cleared my bank.