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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$290.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was told I needed to pull my credit report from all XXXX bureaus because I pay a credit defense company. I noticed a lot of discrepancies on my credit file. Wrong addresses closed debt I paid in full also ex-husbands debt included in a bankruptcy. These reports I never authorized. I am not aware of all these inquiries that were made without my consent. These items are old debts. Also reporting incorrect balance XXXX XXXX after agreement of monthly balance repayment. Mid Atlantic, XXXX XXXX, XXXX XXXX auto is always currrent in my payments. XXXX, XXXX XXXX, XXXX XXXX and so on are companies I have never used or inquired about.
Product: Credit card or prepaid card

on XX/XX/2020, an automatic payment was made to Citi ( auto pay setup by me and initiated on their side to pull from my bank ) and cleared my bank on XX/XX/2020. As of XX/XX/2020, the amount of the payment is still not available to use as credit on the account ( ie, my credit limit is temporarily lowered by the amount of the payment amount ). 

I contact Citi 's customer service and was told that they can see receipt of the funds on their side already ( ie, they have my money ). However, there is a verification hold on the payment until XX/XX/2020. That is a nearly 2 week period. 

The representative said there is nothing they can do to release any of the payment funds earlier than XX/XX/2020. 

This happens to be a new card account, so I was told that since is the first payment, that is one reason why there is a hold.
Product: Student loan

When I XXXX from school in XXXXXXXX XXXX XXXX, I was informed by the lender that the best option I had was to apply for the IDR plan. I was informed at the time that this would provide me with the least amount of accrued interest since at the time my payment due every month would be XXXX dollars. They did not inform me that I would need to recertify every year and that even if my payment amount was XXXX, the interest would still accrue. They did not inform me of the different interest amounts or why each one was different in amounts. I reached out to the company on several occasions to address this.with no assistance. Now I have accrued a large amount of interest due to their misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.
Product: Money transfer, virtual currency, or money service

XXXX paypal acount is limited but its my first payment in other platform, i think they are mistake because its new accout, theld my fund its stock my money i want to withdraw it, my hold balance is XXXX, my account is XXXX, please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

You can see my the attached document that XXXX XXXX XXXX is using an unlawful document containing unlawful phi and has submitted this to this portal and has broken the law!
Product: Credit reporting or other personal consumer reports

I have went back and forth with Transunion, Equifax, and Experian about inaccuracies on my credit report, They will not do proper investigation nor remove the incorrect information this has been an ongoing issue and when i call all i get is it will be removed immediately and its still on my report. Ive waited over 30 days still nothing
Product: Mortgage

I have a mortgage with Citizens One. It has an impound account. And I have set up automatic mortgage payments through my bank. In fact, I set up a little extra so that it would go toward principle. 

Since I pay automatically, I haven't always looked at every single statement from the lender. Earlier this year, I missed a letter stating that there was an adjustment to my escrow account. Because of this, there was a month where my payment was {$87.00} short. As soon as I realized this, I contacted the bank to try and get the situation resolved. With each contact, I did everything they told me to do. I adjusted my monthly payment to exactly what they told me to pay. But every month since XXXX, the payment is still not right causing issues with my account. I've escalated to the CEO of the bank without any help or resolution. 

In the middle of all this, I tried to purchase a different home. I was denied a loan because they reported late payments on my account, making it seem like I was delinquent in the mortgage payments, rather than the {$87.00} escrow shortage. 

Even though I shared proof of everyone I spoke with and everyone I escalated to and every payment adjustment I made based on those conversations, they would not issue a courtesy removal of the late escrow payment to the credit bureaus. To this day, I'm still getting two bills for the same month and the amounts are different than what supervisors were telling me to pay. 

This awful situation has negatively impacted my future. I've had this loan for about 10 years and this is the first time I've had an issue. And still they would not work with me. 

XXXX
Product: Debt collection

Creditor has not provided verification of this debt including evidence that I owe this debt. 
On XX/XX/2019 I requested a formula verification of this debt as a key details were missing from the creditors response.. Specifically, I would like information Showing that I am legally responsible for this debt as I never had an account with the original. I have received no further information on this collection and it is still on my credit report..
Product: Debt collection

On XX/XX/2006 a judgment was placed against me in the amount of {$2000.00}. They file every 10 years to keep judgment growing to {$11000.00}. how many more years can they harass me and keep this going. I was never notified of this debt until recently and they have been going behind my back to get judgments renewed after 17 years now. I feel frauded because they will not stop harassing me at my home, job. Is there a statute of limitations from this harrassment?
Product: Credit card

Emerge Credit Card has been charging me 29.99 % interest on a card I not used for over six years. I voluntarily closed the account and have only been paying on the balance owed. However, it seems to only have decreased by about {$2000.00} on the principal over those six years. I need to get them off my back. I am XXXX veteran on set income. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I was told by a loan company ( I am applying for a loan ) that on my credit reports from XXXX and XXXX, I had an account from XXXX XXXX that had been sent to collections. I do have a current account from XXXX for XXXX years that I have never been late on a single payment. On XX/XX/XXXX, I called XXXX XXXX XXXX times and talked to XXXX people including managers, All said they could not see details on the account -- yet they said one was there. I was able to give them an account #, listed on the credit report, # XXXX. A XXXX XXXX manager said to drive to an XXXX store where they could likely see more information on the account. On XX/XX/XXXX, I drove to the XXXX store and spoke with a manager. She said she would look into it and call me back within an hour, No call. On XX/XX/XXXX, I called and spoke with the XXXX store manager and she said she looked up the account and the name listed on the account was not XXXX XXXX, but she could not tell me what name was there. I called the collections agency, Focus Receivables Mgmt at XXXX and this is a message only line. I left a message to please call me. No call. On XX/XX/XXXX, I filed disputes with XXXX and XXXX. I also tried to get a phone number for a fraud problem for XXXX. No one from XXXX XXXX would give me a phone number. No one at XXXX XXXX seems to care about this at all. My credit score is downgraded XXXX XXXX  points for this incorrect posting on my credit reports. Even if I pay the debt {$1000.00}, it stays on my report for 7 years. I will include a copy of the information on my vredit report below.
Product: Credit reporting or other personal consumer reports

Im currently in XXXX, my student loans should not be reporting to my credit bureaus and making my score go low. This is causing mental stress and me to fail. I called XXXX agency and they said all of my loans are in deferment so this is not an issue on their end. Please help me to fix this
Product: Credit card or prepaid card

I purchased and returned an item to Zales jewelry store in XXXX, Delaware on XX/XX/2018. The return was completed and I have attached the email confirmation showing the credit should pear in 5-7 days. As of today, XX/XX/XXXX, the credit has not appeared. I spoke to Zales customer service on XX/XX/XXXX and was told they never received the item back from the store. I went to the store. The store manager gave the Zales agent the tracking number from XXXX to show they sent the item back to the warehouse. The agent told me she could credit back the item once XXXX confirmed they picked up the package. Now, three business days later, I still have not gotten a response. I dont believe I should not get a credit because of actions the store did or didnt do after I completed the return. Because the credit is not on the account i am being told I need to pay for the item or it will impact my credit. Any help in getting this resolved would be greatly appreciated. Thank you, XXXX XXXX
Product: Mortgage

I applied for refinance to lower my interest rate to my current mortgage company. When i submitted my application, where i mentioned specifically how much my early income with a proof ( last two years of XXXX, and pay stubs ). They were well informed about my yearly gross income despite, they went ahead and appraise the house in order for them to decide whether I can get a lower rate. And my house appraisal went higher than expected. But they denied my application based on their automated scoring system, saying, my debt to income ratio is too high and therefore my loan scores ineligible. Why they had to go through appraisal of my house and made me pay XXXX dollars when they knew my income ratio does n't qualify for refinance to lower rate. I was informed at the beginning of my application that i would not be charged any money. But they charge my XXXX XXXX dollars for appraising the house without my consent because i was told that i wo n't be charged any money if i do n't get approved. I had to include my credit card for the application fee. I was told i would get refunded my application fee if i do n't get a approval.They indeed refunded my application fee but not the appraisal fee. they should not have done the appraisal at first place knowing my yearly gross income. I think they were deceptive, dishonest and unethical banking practice.
Product: Vehicle loan or lease

I bought a vehicle with US Auto in XXXX SC back in XXXX, the company abruptly shutdown in XXXX of XXXX after I had made 2 payments to them, in XXXX  another company by the name of Westlake took over out nowhere, they never introduced themselves they didn't send any documents for me to sign agreeing on them being my new lender or paying them, they just sent me a bill in my email saying I owed 2 payments for them of {$240.00} that I knew I made in XXXX, I made the payments anyways thinking that maybe I forgot or something, but when I went to there website to see my payment history nothing exist, I couldn't pull anything up they increased my loan amount from where it originally was, they don't send any receipts of payments once made, they'll call and send letters but when I call back to try to speak to someone they don't answer or are very rude, right now I've stop making payments cause I don't want them as my car loan carrier
Product: Debt collection

Im receive multiple emails and calls from advance capital solutions. The debt was included in a bankruptcy and my attorney has reached out the them to stop calling and emailing me. That message was sent on XX/XX/XXXX and then another request on XX/XX/XXXX. Today XX/XX/XXXX I got another call and email.
Product: Mortgage

My Mortgage company is Ditech. We bought our house XX/XX/XXXX. I wanted to pay my own taxes and insurance, was told I could not. Escrow monthly is {$310.00}, more than enough to cover everything. When the XX/XX/XXXX taxes came due I started getting notices that it had not been paid. Called ditech, said they paid it. VERY LONG story and over 30 hours on my part and now with fall late charges and spring coming due, I finally discovered the problem was they had the wrong Parcel #. Still they would not pay it or change it. They paid on the wrong parcel number ( {$270.00} ) every six months. Guess that low amount compared to what I had in escrow didnt cause any red flags. Finally had to get a lawyer involved even after I sent tons of paper work with the parcel description etc. It was finally paid all at once in XX/XX/XXXX. 
Then they didnt pay my insurance .... another fight insued and I finally got them to pay it one day before cancellation! Then they tried to tell me that my Escrow was doubling because my taxes doubled!!! This was because they paid them both at the same time so somehow that meant in their computer that the taxes doubled. 
Mistakenly I believed all to be fixed as they assured me it had. I did petition to take over Escrow since I had already invested 60hrs of my time to make it happen ... ... Then in XX/XX/XXXX I started getting the letters again that my taxes had not been paid! Then an email that the had in the amount of {$270.00} ... unbelievably to the WRONG parcel number again! I called and Ditech says they have NO RECORD of all the changes etc. He says that the only thing in my file is a request from me to check the parcel number I thought it was wrong ... this was XX/XX/XXXX. NOTHING else in there. Im beyond words.I just get the pat answer and no one can help. the first time around I left over 10 messages for supposed supervisers. NEVER got a call back until my Lawyers letter was received. Of coarse friday no supervisor was available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to XXXX advising that the debt reported for {$200.00} by NCC Business Service was fraudulent and that I am a victim of identity theft. I was originally made aware of my identity being used back in 2013 when someone filed a tax return under my social security number, name and other personal information. I filed a police report in XXXX, GA at this time. I submitted this proof to XXXX and also to NCC Business and have also completed an identity theft affidavit along with my driver license and notarized statement. However XXXX continues to report this derogatory information on my credit file. I spoke with XXXX at XXXX fraud department and expressed that I have never done business with the original credit XXXX XXXX and they this is a fraudulent crime. I have also requested validation of this debt from XXXX in which they have not provided. Please see attachments that were submitted to XXXX and NCC Business Services.
Product: Vehicle loan or lease

Called UsAutoSales/Westlake XXXX XXXX because my vehicle needs repairs that is covered under my warranty. 
{$3500.00} Warranty amount included in my financing. Company said my warranty contract was void, and is refusing to deduct warranty amount from price or repair my vehicle
Product: Debt collection

On XX/XX/XXXX I was honorably XXXX from the XXXX XXXX, unfortunately I was not able to find employment fast enough to keep my Military Exchange Credit   Card active. This account is allowed for military personal who can shop at any military exchange ( store ) AAFES, MCX, NEX etc. I am being charged a collection fee on top of my debt and interest ( understandable ) with the Military Exchange, these fees are {$1000.00} 's of dollars on top of the original debt. I've asked for numerous statements and have finally received one for XX/XX/XXXX. In the attached statement you will see that only {$310.00} have been accepted, however you'll notice my personal checking receipts equating to {$370.00}. This has happened every time I've made payments on the account. Almost as if they're stealing the Military Exchanges and my money, as the statement from XXXX shows on pg 1 {$310.00} in payments and {$0.00} in fees. I can not provide exact amounts as XXXX XXXX is only directing my calls to XXXX XXXX XXXX whom has not called me back. On XX/XX/XXXX I submitted a claim to FederalReserve.gov to help on this matter, XXXX had told me they would provide statements, and that the fee is not able to be removed. I feel that this is in violation to the Fair Debt Collections Act 15 U.S.C. as I never agreed to a collection fee nor would any human being on the planet. I own up to this debt and as such have made numerous payments, but with this type of theft my debt will never be paid in full. This fee is not a fee due to charging by checks or debt. No explanation to an agreement on this fee has been sent or agreed upon. I've also contacted the written correspondent which the billing statement shows to contact and they have no idea why.
Product: Credit reporting or other personal consumer reports

My Transunion report shows a hard inquiry from XXXX XXXX on my credit report on XX/XX/2023. I contacted Transunion several times to request that the unauthorized inquiry to be removed. XXXX XXXX sent two letters one on XX/XX/XXXX and the other letter was send on XX/XX/2023 I sent the letter from XX/XX/2023 from XXXX  XXXX to Transunion and the inquiry continues to remain on my file. 

Attached are the two letters from XXXX XXXX
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 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, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I received my loan forgiveness letter on XX/XX/2024. I called Mohela to state that my department of education loans are still showing a balance on my credit report and has not been XXXX out. The rep in Mohela 's credit department stated it should be taken care of in the first week in XXXX and please recheck then. I checked back the first week in XXXX and I am still showing a balance. Moreover, I filed a dispute with the credit bureau in late XXXX and provided a copy of the forgiveness letter and all Mohela did was correct the owed balance. Again, they did not XXXX  out the amount to show it was paid off. When I called Mohela about this, they are now telling me it will take 90 business days to refund me money and to update my credit. This is shocking because this is nowhere in writing in my letter, and I am only being told this because I called multiple times to see why I was getting the run around.
Product: Debt collection

On XX/XX/2020 i checked my credit report and found a collection agency trying to collect a debt that i have no knowledge of I C system is trying to collect over XXXX $ that i do not owe them i dont know who this company is nor have i signed any agreement or contract with them nor any of there affiliates
Product: Checking or savings account

Wells Fargo is double charging me overdraft fee for the same items