23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX have paid ahead on my mortgage with New Rez AKA Shellpoint Mortgage where my next payment is not due until XX/XX/XXXX. My loan was approved for cancellation of the monthly private mortgage insurance premium as of XX/XX/XXXX, where my last payment for the private mortgage insurance would be collected in XX/XX/XXXX per New Rez. It is my belief that New Rez Shellpoint Mortgage is obligated to refund me for the mortgage payments made in advance that would include the monthly private mortgage insurance payment of {$100.00}. Unfortunately the monthly statements they have provided all neglect to disclose my monthly payment breakdown. I have also made a request to have my escrow account refunded as I would like to opt to pay my homeowner 's insurance and property taxes on my own. I am under the 80 % loan to value requirement where I believe it is my right to choose to discontinue the escrow account so I can handle those obligations on my own.
Product: Credit reporting or other personal consumer reports

Inaccurate information on credit file regarding XXXX, XXXX XXXX, XXXX, XXXX XXXX  even though the accounts were settled, charged off ( considered income ), info for debt that was paid by insurance and selling the vehicle for more than actual debt ( minus interest on closed account ). They even have debt that was garnished and paid in full. So fraud is being committed by trying to collect on dead debt. I am XXXX and can't get a loan to fix my house up because these inaccuracies affect my score immensely. Furthermore, I had my XXXX XXXX XXXX voluntarily dismissed because these inaccuracies and I can no longer work. And it seemed fruitless since my credit report continually was inaccurate. I have tried several times to dispute inaccuracies to no avail. Their dispute investigations are fruitless and not completed thoroughly.
Product: Credit card or prepaid card

I felt sick and I was unable to use the card ; I called the bank asking for help and they couldnt advising to do a payment plan, but I declined to do a payment plan. Unfortunately, the representative put me in a payment plan without my authorization. I emailed them complaining to take me out of the payment plan and they responded after some days that they will do it, now I needed to use the card To buy medicine and the card still locked. I called an they say that I will receive an email. 
I dont know what to do anymore Im in a hard ship situation
Product: Credit card or prepaid card

To W hom It May Co ncern : I have a credit card with Bank of America. On  XXXX .2017, I paid my " new balance total '' from the prior month of {$830.00}. I was quoted this balance total in my account summary, dated  XXXX 2017. On   XXXX  2017, I received my monthly account summary for  XXXX  and the  XXXX  statement lists an interest charge of {$9.00}.     I am writing to contest this charge because based on my understanding, cardholders are not charged interests when the balance total is paid. Pertinent information and assistance is greatly appreciated.
Product: Debt collection

Cabelas has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

I was provided a Bank of America Debit Card " Cash Pays '' for my Short Term XXXX in XX/XX/2020. I was XXXX  and out of work from XX/XX/XXXX through XX/XX/2020. During this period I was able to withdraw {$1500.00} but have since been unable to withdraw any of the remaining $ XXXX.I have tried several Bank of America ATM 's and even spoke with a Bank of America representative with no success. I was told to contact the government agency? My card ends in XXXX XXXX. My social security number ends in XXXX. My address is XXXX XXXX XXXX XXXX NJ XXXX. Can you please assist in solving the problem. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting an accident on XX/XX/22 I was hit by a XXXX  driver shown in the police report and crash report, I uploaded in the document upload center. I was NOT at fault. This needs to be Corrected and shown that I was not at fault. A XXXX  driver hit me in the parking lot at XXXX XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to dispute several hard inquiries listed on my credit report. After reviewing my credit report, I have identified the following inquiries that are inaccurate : XXXX 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 XXXXXX/XX/XXXX These inquiries were not authorized by me, and I have no recollection of applying for credit or services with the aforementioned creditors/companies on the specified dates. As a result, I am requesting that these inquiries be investigated and removed from my credit report as soon as possible. 
I have available to substantiate my claim. This includes any records of communication with the creditors/companies listed above, confirming that I did not authorize the inquiries. 
According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and kindly request that you conduct a thorough investigation into these disputed inquiries. 
Please provide me with written notification of the results of your investigation and any actions taken to resolve this matter. Additionally, I request that you update my credit report accordingly and send me a revised copy once the disputed inquiries have been removed. 
Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXX/XX/XXXXAccount number : XXXX Account name :XX/XX/XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

I bought a timeshare in the summer of 2023 and fell behind the payments. It was sent to collections without my knowledge and now they are trying to add a {$3600.00} amount to the original debt owed. They also want a payment in FULL and kept insisting that if I don't pay in full it will negatively affect my credit. They told me to go get a loan so I can be in more debt. I feel that they are taking advantage of the situation and measures should take place so they don't extort anybody else.
Product: Debt collection

PDQ Services Agency in XXXX, GA credit agency has submitted false documentation to the XXXX credit reporting agencies. PDQ lists the date of collection on all XXXX credit bureaus as XXXX XXXX. This date is inaccurate. PDQ sent the first collection letter on XXXX XXXX, XXXX with an erroneous amount owed of {$490.00}. I refused to pay the amount because it was inaccurate. I have a bill from the from Dr. 's office stating the correct amount of {$240.00}. Our medical insurance was billed, therefore, I did not pay. The bill was later turned over to collections. PDQ added this collection to my credit file at all XXXX agencies for a different amount of {$370.00} with a different reporting date on XXXX. PDQ is erroneously trying to illegally extend the period of collections by reporting the debt 2 years after the original communication. PDQ is also trying to collect more than the actual debt. PDQ sent the original collection letter on XXXX XXXX, XXXX yet I received an invoice from the Drs office on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. How can a debt be collected by XXXX different companies at the same time?
Product: Student loan

My loans transferred from XXXX to Mohela loan servicers in mid XX/XX/XXXX. Prior to my loans being transferred I made a payment of {$15000.00} on XX/XX/XXXX. I noticed immediately that my loans were not transferred without my last payment and called and confirmed with XXXX representatives that my payment had in fact been cleared and was mistakenly not sent properly. I was assured on multiple occasions that my payment would be sent to Mohela but that it may take a few weeks to process. My new loan servicer Mohela just sent me a letter after investigating this matter that states that I did not make my {$15000.00} payment and it is not even reflected on the XXXX website. I have more than enough evidence of my payment and I need this matter clarified immediately. I believe my funds have been mishandled. Every time I call Mohela has been claims the payment from XXXX has not been sent and every time I call XXXX they claim that they have sent the payment. I recieved a letter on XX/XX/XXXX from XXXX confirming I sumbitted a payment of {$15000.00} made on XX/XX/XXXX -- however they also sent me a transaction history summary which did not have the aformentioned payment listed so it is unclear if they payment was actually sent. I have waited over 4 months for this matter to be resolved and it seems as though XXXX and Mohela are not complying with their due diligence to transfer my payment.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information even after my repeated attempts to get the information deleted. My name is XXXX XXXX there should be no other names listed. I have previously requested this name change and neither consumer agency complies. My address is XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my consumer report. The consumer agencies keeps replying that I need to contact various other creditors to have the information removed and that is not correct it is my job to validate or prove the information is correct this jobs lies with the consumer agencies since they are the ones reporting it. Since neither provided me with evidence to prove its correct I have filed arbitration against each consumer agency this is now your notice to pay the filing fees involved in which you will be notified of the proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Family Member obta ined loans fraudulently, has subsequently been prosecuted and is serving a  XXXX  term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.
Product: Credit reporting or other personal consumer reports

Equifax has I not followed the FCRa My rights has been Violated there are accounts listed on my credit report that is fraud Equifax had for 4 days to remove the account however they decided to do nothing. These item shall be removed immediately due to them being fraud and moreover its unverifiable. 

All of my previous documents I submitted to get this fix will be added in the attachments.
Product: Credit card or prepaid card

This account is very old and past statue of limitations. It was opened in  XXXX / XXXX / XXXX  and closed in  XXXX / XXXX / XXXX . I am being harassed about this debt stating they are going to put a judgement on me and also wage garnishments.
Product: Money transfer, virtual currency, or money service

I am currently homeless, and my friend XXXX XXXX, who is based in XXXX indicated she would cash app me {$600.00}. I received a message the transfer was blocked to protect my account. I explained the circumstances for 6 hours and no one cared to verify. They kept repeating the same statement, they are trying to protect my account. In the end I never received the money, and never got a reason why cashapp blocked her sending money. I even requested the money from her and that was blocked. The point is cashapp never provided a reason for not facilitating the transaction. I opine that because XXXX is a third world country and as a result I am receiving fraudulent funds
Product: Vehicle loan or lease

Finance Company : Credit Acceptance Complaint : Alleged payment plan agreement date via company and repossession within a 30 day payment applied. 

Due to having a XXXX I was unable to handle normal business affairs of which my spouse assumed the responsibility of doing so. As a XXXX in XXXX XXXX I take my financial obligations most seriously but due to this unfortunate life event I became XXXX  on my XXXX XXXX and XXXX XXXX XXXX. Upon stay at the hospital my truck was repossed on XX/XX/18 due to a due balance of {$340.00}. 

The company was contacted immediately on XX/XX/18 to obtain information as to why the truck had been repossessed of which they explain the {$340.00} past due. The truck has never been repossessed before. 

On XX/XX/18 my spouse money gramed {$800.00} to Credit Acceptance of which we are still trying to understand why {$800.00} for a past due balance of {$340.00}. My husband paid this amount and was told there was still a remaining balance that could be included in his monthly payment 's raising the payment from {$550.00} to {$600.00} for a total of 12 months which is still in error being a representative stated after that payment the balance due was {$150.00}. 

On XX/XX/18, Less than 30 days from the most recent possession the same company, XXXX XXXX visited our home to repo the truck again at XXXX XXXX of which we were clueless as to why and the repo driver knocked on our door stating he was confusing being he had picked the truck up prior less than 30 days and was very courteous. My spouse had planned to pay the newest payment on XX/XX/18 of which normal payments are not due until the XXXX of each month. 

On XX/XX/18 the company was contacted and the following staff were spoken too : XXXX   ( rep ) XXXX ( supervisor ), XXXX ( supervisor ), XXXX ( supervisor ) and finally transferred to a manager XXXX whom we left a detailed message. All who indicated that repossession hadn't been reported and we should call the authorities to report the incident. 

This company alleges that my spouse agreed to make payments on XX/XX/2018 of which he disputes and has record of the actual recording. Why would a consumer pay {$800.00} plus on XX/XX/18 and then agree to pay XX/XX/18 on a holiday and less than 30 days from the last payment. 

I am disputing this alleged date agreement of XX/XX/18 and feel that the next payments should have fallen on the XXXX as normal. We were told a payment was expected on the XXXX as well as the XXXX which is a total discrepancy. 

The company is now stating that we owe {$800.00} dollars again to take possession of the truck which again has been less than 30 days. The desire and plan upon my retirement last month was to pay this vehicle off in XXXX but the repor of this company as a valued customer is diminished. 

We feel this was an error on behalf of Credit Acceptance and should be rectified. The only thing we should owe is the note to be paid with no additional feels added. We are furthermore inclined to believe that this company is over charging customers and possibly embezzling additional monies.
Product: Debt collection

My credit report is showing that I have a bill since XX/XX/2020 for Transworld System Inc., for {$1300.00} for XXXX XXXX. I am trying to buy my first home, meaning I don't have a home, so therefore, why would I have " XXXX XXXX. '' I live my mother. I don't need this, why would I have this bill? The debt is not mine. I '' ve called Transworld System , Inc and they keep telling me that they have to research this! It's been a month since they have been researching it. Because of this, I'm not able to move forward with my purchase! Please have them fix this!!! 
I have no documents because I have never been sent any thing on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I have initiated a dispute with EQUIFAX to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX
Product: Mortgage

I refinanced my mortgage with XXXXXXXX XXXX on XXXX XXXX. Pennymac was paid in full after this process and XXXX XXXX  informed me that I should receive the money back that was in my escrow account with Pennymac. Well the amount in my escrow was {$3600.00} on the XXXX statement but Pennymac only gave me {$660.00} back without any explanation, except some made up escrow analysis which started in XXXX which only shows {$1000.00}. So what happened to the other money on the XXXX statement which is not showing on the analysis?? The first part of discrepancy was on the Escrow Account Disclosure Statement dated XXXX, XXXX 2022. I know each year property tax may increase which will also increase the mortgage payment. My taxes went from {$420.00} to {$670.00} a difference of {$240.00} but Pennymac added on a shortage payment amount of {$290.00} and Escrow Reserve Payment of XXXX which increased my mortgage payment by {$650.00} instead of by {$240.00}. 
They are always messing up the account in order to receive and keep people 's money. They really need to be investigated for these shady practices. Everyone is already suffering from inflation and grocery prices and need their money. They already make millions off the interest!! I need the remaining money from my escrow of {$2900.00}. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

They had three addresses for me two of which were incorrect. They only removed one of the incorrect addresses. The address they left is full of typos on its face, and anyone with any literacy would have seen that and removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't know which way to turn but for years on my credit report there is a Texas   address that I have never lived. 

I would like to know how to get that off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted that I had credit inquiries from someone trying to get credit under my name I notified the companies and the credit bureau that I had fraud and identity theft happening now they are refusing to take the credit inquiries off my credit
Product: Credit card or prepaid card

On XX/XX/XXXX of this this year I mailed a payment to American Express. One week later my account still had not been credited. I have paid by this method for 25 tears with no problem, therefore I felt it best to contact them. As of this date (XX/XX/XXXX)my payment has not been applied. However, I digress, I tried to apply my rewards points towards the balance, but there was so much confusion on the part of the representative I canceled the transaction. On XX/XX/XXXX, I spoke to XXXX at American Express who told me the credits, much to my surprise were applied and I owed nothing. When I preciously contacted American Express I was told something entirely different. I was told my points would be applied to the balance of XXXX minus  the XXXX  minimum fee. As I previously stated XXXX at American Express informed me there was no balance. Today XX/XX/XXXX,I called American Express to speak to a supervisor, figuring someone in authority would be able to rectify this problem. The first representative, XXXX< hung up on me. I called and was transferred to a supervisor XXXX. I l left a voicemail and the supervisor has not called me back. Bear in mind I understand mistakes happen. My concern is when the people who are paid to solve your problem are not up to the task.
Product: Credit card or prepaid card

This Amazon Store Card XXXX XXXX account was opened approximately one year ago under last four digit account number XXXX, then without consent the account was closed and a new account was issued under last four digit account number XXXX. The account sustained some concerns when the Synchrony Amazon card was being billed twice or not being properly balanced out correctly so after a few transactions were paid off, I opted to close the account and be refunded the {$100.00} deposit. When the {$100.00} deposit was not returned, I made a transaction for {$99.00} for a pair of XXXX XXXX XXXX  XXXX Shoes ( bicycle style ) size 6.5-7 ( 37 ) and I never received the product. This transaction occurred approximately one month ago from today ( XX/XX/2020 ). It was further attempted to open a new amazon account without a deposit but the initial reason for denial was because I already had an open account. As of today, XX/XX/2020, the denial from Amazon Store Card-XXXX after this account ( s ) were allegedly closed has not been disclosed but a denial was issued. Therefore, I did not receive the merchandise I purchased with the Amazon Store Card XXXX XXXX and deposit of {$100.00} ; being the XXXX XXXX XXXX  XXXX Shoes, I have not been refunded my {$100.00} used to initiate the card one year ago, and I was denied a non-annual fee Amazon Store Card without a deposit as of today XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item that I am asking you to verify as accurate : XXXX XXXX XXXX XXXX