23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On Thursday XX/XX/XXXX on a phone call with XXXX XXXX from Quicken loans we discussed my refinance application. On that call I expressly denied permission to perform a hard check on my credit until every single other step in this process was completed. I told the banker my score and he said he could get the information he needs from my tax returns and by asking questions via email. So he emailed me later that day to obtain my tax returns and ask some of those questions. On Friday XX/XX/XXXX he performed that hard check on my credit without my permission. I believe this is illegal as I did not give permission and I actually purposefully denied him permission to do this. He has since stopped communicating with me. I have left a voicemail for his supervisor on XX/XX/22 at XXXX but have not heard back yet. Here is the banker 's contact info : XXXX XXXX XXXX XXXX Quicken Loans Direct : ( XXXX ) XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage account is reporting the account has been 30 days late which is inaccurate. I have listed below the dates of my payment and confirmation numbers, which will show the account has never gone past 30 days late. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- - XXXX  # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- -- XXXX # XXXX XX/XX/XXXX applied to your loan on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX 2020 i contacted TransUnion and XXXX  to dispute of an account ( XXXX XXXX XXXX   account number starting with XXXX ) which not belongs to me dispute number for trans union is is # XXXX, dispute number for XXXX is XXXX i called TransUnion and XXXX on XXXX/XXXX/2020 to hear an update they told me that company verified this account and disagreed with my dispute, i asked if company provided with proof hat the account belongs to me, transuion and XXXX  told me their is no proof,
Product: Mortgage

in XXXX and XXXX a detail transaction on the history there was found abundance of charges to our account, and until this date the charges remain there and continues to be there and charging late fees for those fees. for three years  XXXX we have not been able to get anyone to fix the problem, they have been called many times and messages have been left with upper management, and they never returned our call. in the escrow account we are being charged double for hazard insurance, and in the misc fees we are being charged late fees. any paper they send from their tax department they are charging {$7.00} a sheet. we got a letter in the mail XXXX XXXX, XXXX that our payment for XXXX XXXX, XXXX was not paid and is past due, in this letter it states we have to pay XXXX by XXXX XXXX, XXXX or they will start foreclosure proceedings and sale of the property for a payment that was made and we have the bank print off that it was taking out of our account. upon talking to several associates at nation star mortgage company we found out that the XXXX XXXX, XXXX payment was being held and no one could tell us why, bank statement showed they held it till the XXXX of XXXX. upon getting this letter there was also a certified letter at the post office, in it inclosed the same letter as before. they are trying to force us to put our property taxes in escrow even though they were sent a court ordered document that they were not allowed to do so. they have been sent this paper twice now and put it in escrow anyway, our papers states they have done this.
Product: Vehicle loan or lease

Due to some recent medical and financial difficulties my car payment became past due. On XX/XX/ I made a payment online in the amount of {XXXX}. The money was taken out of my checking account the next business day. Ally claimed sue to my past due status they cant apply the payment. Today in XX/XX/XXXX, they reported to the credit bureau I was XXXX  days past due. Except I did make the payment, they withdrew the fund but still have not updated my account. I have tried working with them in regards to this but I keep getting put on hold and passed to different representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted you all before. I'm relocating to XXXX. end looking to purchasing e. home there. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I sew a couple of items that are not mine. These items are still on my report need to be deleted from my credit report : XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit card from XXXX XXXX XXXX  that I never applied for and received a hard inquiry on my credit report.
Product: Credit reporting

XXXX was unable to access my Credit report to due a credit freeze. However, there are XXXX inquiries on my report from XXXX. I called XXXX several times concerning this. most recent today where i spoke with XXXX and her manager XXXX If they were able to access my report, why did n't i get a decision letter based on the information in the credit report. they told me to check with the credit agency which i did and they told me to contact fingerhut. i explained that i received a letter stating they were n't able to access my report but the inquiries show they were able to. Ive reached out to equifax who told me that this inquiry is legitimate. but according to the XXXX investigation, they are stating they never viewed my report.
Product: Checking or savings account

On XX/XX/XXXX, I deposited the amount of {$19000.00} into a new checking account with the bank called Truist, on XX/XX/2023. I received XXXX letters in the mail, saying that Truist closed my account for an unknown reason I was told XX/XX/2023 that I will get a cashiers check mailed to me and wait XXXX business days until XX/XX/2023 and I still have not received the check. I called the branch and no one is giving me an answer. I called the fraud department they keep saying that on my account, it says a check has to be mailed but theres no date. Another person said a check was mailed XX/XX/XXXX, but no check still. I went to the Truist branch and they just keep telling me to wait its been a month, I asked to speak to a supervisor or a manager, and no one will see me and I have not received a clear answer to where my money is.
Product: Credit reporting or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXXXXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please remove these accounts immediately.
Product: Debt collection

According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX  reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.
Product: Credit card

In XX/XX/year>, I was contact by the credit card issuer that my payment was past due in the amount of {$230.00}. I immediately paid the amount that was supposed to be due on XX/XX/year> ( it was approx. XXXX hours late ). 

I noticed a {$29.00} late fee assessed on the same day the payment was due, ( XX/XX/XXXX ). I called to inquiry about a courtesy removal of the fee based on prior account history, length of customer loyalty and fact that I have never missed or been late on a payment. 

The credit card issuer stated that my account was not eligible for a removal of the fee and " the system would not allow them to do so '', even though they tried to remove the fee and felt it was a customer request that seemed reasonable. 

On XX/XX/year>, {$28.00} was assessed in interest charges for payment being XXXX hours late. I again reached out ( this time via customer service chat on the AMEX website ) and received the same response as above. 

I noted that nearly {$50.00} in late fees and interest charges didn't seem at all proportional to the amount that was not paid timely. I was just told there was nothing they could do.
Product: Debt collection

A debt purchaser bought an old debt ( not sure if it was past the allotted time/statutes of limitations or not? ). He very aggressively came after me for this debt. He often hung up the phone on me, threatened a bench warrant if I did not show up for a court date I asked to reschedule due to a work conflict, called me inappropriate names, was extremely rude to the payroll department and has failed to give me a detailed statement of what he is collecting. In addition, he refused to settle with me on several occasions and never offered a payment plan, he immediately began garnishment, He is currently taking {$500.00}. a paycheck, leaving me in a position that I can not completely fulfill my personal financial obligations.
Product: Mortgage

On XX/XX/XXXX I received notification that XXXX XXXX was transferring my loan to Specialized Loan Servicing on  XX/XX/XXXX. I requested a payoff from my second mortgage XXXX XXXX whom required a wire transfer to pay off my second loan. On XX/XX/XXXX through XXXX XXXX I wire transferred {$450.00} to XXXX XXXX 's account number. The XXXX XXXX clerk listed XXXX XXXX XXXX XXXX as the beneficiary. The tracking number was XXXX. The wire transferred was delivered. XXXX XXXX inadvertently accepted the wire transfer from XXXX XXXX and applied the payment to my mortgage. It is unknown how the payment was applied as neither XXXX XXXX or SLS have provided a payment history. On XX/XX/XXXX my loan was transferred to SLS. The {$450.00}, according to XXXX XXXX was transferred to SLS. SLS has claimed that they had the funds but were not applied to my XX/XX/XXXX payment. According to SLS an investigation regarding the wire transfer was opened. On XX/XX/XXXX, in a phone conversation, I paid the remaining {$780.00} to make my loan current for the month of XXXX. On XX/XX/XXXX I sent a certified letter to SLS regarding the wire transfer and discrepancy in how it was applied to my loan. The letter was to arrive on XX/XX/XXXX. The same day I mailed a check for my XX/XX/XXXX payment in full to a separate XXXX XXXX for SLS ( certified receipt XXXX, confirmed delivery ). The payment was received and SLS rather than depositing my check withdrew the money from my account as an ACH payment. The money was withdrawn on XX/XX/XXXX from my XXXX XXXX   XXXX account ( check number XXXX ) I did not and have not authorized any ACH payments with SLS. I received an email confirmation that the payment was received. On XX/XX/XXXX I contacted SLS again to resolve the status of my loan and address my letter. SLS then told me that my {$450.00} was applied to my XXXX payment ( as an autopost ), but now my {$780.00} payment had been applied to my principal as it was a partial payment ( as a curtailment ). I informed XXXX that the representative never informed me that my payment would be applied to my principal but that we had an in-depth conversation regarding that this payment would make my monthly payment current. I was never requested on informed XXXX XXXX or SLS that I wanted to make an additional payment toward my loan at any point in time. According to my financial records, my XXXX payment should be current and my XXXX payment was paid by check. According to SLS 's online history of my account the XXXX payment in the amount of {$1200.00} has NOT been credited or received by SLS. All payments have been made to both XXXX XXXX and SLS and my account is current. It is my belief that SLS is attempting to foreclose on my home and committing fraudulent acts with criminal intent.
Product: Debt collection

Upon reviewing my recent credit report, I identified multiple accounts that appear to have been added without my consent.
Product: Credit card or prepaid card

On XX/XX/2020, I called Chase Sapphire reserve to request assistance in refunding a XXXX XXXX   flight to XXXX on XX/XX/2020 that I am unable to take due to XXXX. 

The XXXX XXXX policy clearly states that refunds will be issued once flights are cancelled, however, I have been unable to do so ( see below ). 

I first attempted to cancel the flight with XXXX XXXX directly, however, I received a notice that the cancellation has to be done by phone, and every time I have tried to call since XX/XX/XXXX, I have received automated message that they are not taking calls due to high volume. I have also written several email and XXXX communications. 

I called Chase in the hope that they would be able to issue a refund and liaise with the airline directly, as they bill themselves as the premier travel credit card, however, the individual with whom I spoke said that because the flight has not been cancelled she would not do so. I explained that I live with my XXXX year old grandmother and am as such XXXX unable to expose myself to the XXXX  by flying to XXXX. 

XXXX XXXX was able to resolve another flight that I just had to cancel for similar reasons within minutes, so I know that Chase is in the wrong. Can you please help? I realize your office is very busy but I am a consumer who has been wronged and you are my only advocate! 

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

I had a credit card balance with first digital, I paid the entire balance and requested closure of the account they closed it but still reported the account as a charge off and i called them they said they dont charge off accounts until 120 days late but on my credit report its inconsistent, my credit report is showing account in good standing on XX/XX/XXXX, then past due 30 days XX/XX/XXXX on XX/XX/XXXX in good standing again then on XX/XX/XXXX i called to pay the whole balance but the month the entire balance was paid yet its listed as a charge off. They informed me they charge off accounts after 120 days so there should be no charge off listed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX more then 5 times a day. Finally when I was able to answer from getting home from my XXXX job, the employee told me that if I didnt pay my bill that I should get my suit pressed and prepare for my day in court. That it would be a long time before I was able to live a normal life because in their words " dead beats are dead beats '' It was a horrible call and my XXXX children heard this as it was on speaker phone while i was making them dinner. They cursed at me and told me I was a loser. Please help me and prevent them from doing this to other hardworking people.
Product: Debt collection

XXXX the cell phone company is attempting to collect {$210.00} from me and has forwarded on their fraudulent claim to collections agencies. I asked for copy of a signed contract that bears my name on this alleged and FRAUDULENT account. Neither XXXX nor their collection agency XXXX were able to provide me with a copy. BECAUSE THEY ARE FRAUDSTERS! After failing to provide me with a signed contract XXXX sold off this fraudulent claim to a Source Receivables Management company. Who is also now attempting to collect on this fraudulent debt.
Product: Credit card

J.P. Morgan Chase placed a hold on my Amazon Prime Visa card, and they are not releasing this hold. I have made multiple attempts to contact them by phone and secure message. They have not returned my phone calls, messages, or emails. They insist I call them from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, those are also my busy hours. They failed to return any message or email that I sent them to resolve this issue. It is very suspicious that they refuse to keep communications in writing. 

Previous responses from Chase are unacceptable. They want to verify information, but I have given Chase all the information that I have through multiple channels and platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Usps tracking # XXXX To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency.With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report.Furthermore, the XXXX XXXX standard is a common format for reporting credit information. Banks and other lending institutions use the XXXX XXXX standard to report information to the CRAs. The goal of the XXXX XXXX standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The XXXX XXXX standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and XXXX XXXX standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights.The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you! Also, federal law requires you to respond within thirty
Product: Debt collection

XXXX RECEIVED COLLECTION NOTICES FROM CONSERVE XXXX XXXX XXXX XXXX NY XXXX. ALSO AT XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX.

 THE DEBTOR WAS PREVIOUSLY OUR CLIENT, BUT NOT NOW
WE ARE THE FORMER ACCOUNTING FIRM OF THE DEBTOR.
THEY MAILED 3 COLLECTION NOTICES TO XXXX XXXX, I AM A MEMBER OF THIS ACCOUTNING FIRM. WE DO NOT WORK FOR THE DEBTOR ANY LONGER. WE  WILL ACCEPT ANY CONTACT FROM THIS COLLECTION AGENCY.

WE WILL SUE THEM IF THIS CONTINUES.
Product: Credit reporting or other personal consumer reports

In complaint XXXX for XXXX  XXXX  # XXXX charge off {$1200.00} with past due as of XX/XX/2024, XXXX  XXXX  # XXXX charge off {$960.00} with past due as of XX/XX/2024 XXXX credit # XXXX charge off {$1200.00} with past due as of XX/XX/2024, XXXX  # XXXX charged off {$2900.00} with past due as of XX/XX/2024. All these accounts have been updated on my Experian report as of XX/XX/2024 which violated my consumer rights because a charge off account are written credit off as a loss. The XXXX form eradicates the debt and l have never received. Experian keep updating my report as accurate in which is incorrect. See updated credit report. XXXX XXXX  # XXXX payment history is incorrect which violates 15 USC 1666b