23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, I have been with bridgecrest all for over two years now. And during the pandemic they were saying that they were going to make accommodations. And it was nice, except they were still reporting to the credit bureau. This company completely misrepresented The accommodations. Even when I spoke directly to more than one representative, they told me that I would not be reported to the credit bureau if I paid X amount. I did what I was supposed to do on my end but I still ended up being reported and 30 points on my credit dropped. I would like something done about this, it should be illegal, we are still in a pandemic and they are still reporting late payments even with payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to refinance our house due to financial struggles and 2 lenders could not open my credit report from EQUIFAX! 
I logged into my equifax.com account to see if I could see the problem, and clicked on, '' View my credit report '', which said credit statue unavailable, " BLOCKED FOR PROMOTIONAL PURPOSES!!! '' I am furious as they have no right to withhold lenders I give consent to to help us in this difficult time while mortgage rates are still low!! 
They MUST release and open my credit report or I will file a lawsuit for financial devastation due to their negligence to comply and take this RIDICULOUS block off my credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX XXXX and myself entered into a Covid Forbearance plan with XXXX XXXX  and remained in the covid forbearance plan until the home was sold in XX/XX/XXXX. After the home was sold, XXXXXXXX XXXX reported 150+ day late payments to all of the Credit Reporting Agencies in error. I filed a dispute with XXXXXXXX XXXX on XX/XX/XXXX to which they agreed that our loan was protected under the covid protections act at the time of payoff ( letter attached ). 

XXXXXXXX XXXX removed the late payments under the monthly status ( credit report from XXXX confirming this attached ) but did not remove the " XXXX '' code under the account status so the mortgage was still showing " 150-179 Days Past Due. '' On XX/XX/XXXX, I filed a dispute with the Credit Reporting Agencies to have the " XXXX '' code removed. On XX/XX/XXXX, I spoke with a woman in the leadership department with Freedom Mortgage who stated that they will not remove that code, even though we were protected under the Covid Cares Act. After this phone conversation, Freedom Mortgage changed how to loan was reported to a " XXXX '' code, now showing " 180+ Days Past Due '' and added " Collection Account '' under the account status ( dispute letter from XXXX attached ). 

I have letters from XXXXXXXX XXXX stating that the loan was protected under the Covid Cares Act at the time of payoff, I have documentation from them stating that they will report the loan as current during the forbearance period, as well as copies of their website stating the same information. All late codes and collection account statuses should be removed from all Credit Reporting Agencies as agreed upon by XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXXt account : 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 Has Violated my rights. 
15 U.S.C. 1681 Section 602A. : 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..
Product: Credit reporting, credit repair services, or other personal consumer reports

What is this complaint about? 
My credit score being decreased instead of increased by TransUnion. 

What type of problem are you having? 
TransUnion made an error by decreasing my credit score instead o increasing my credit score. 

What happened? 
TransUnion decreased my credit score by XXXX points from a XXXX after they removed to erroneous collection accounts that I reported to them and requested their removal from my credit report. 

What company is this complaint about? 
TransUnion Who are you submitting this complaint for? 
Myself, XXXX XXXX XXXX
Product: Mortgage

I have a mortage with Nationstar Mortgage. Every few months I have to request payment history to check how the money is applied. Most of the time they do n't apply it correctly. I have been sending extra {$200.00} a month towards principal. XX/XX/XXXX I got the payment history and {$1000.00} ( XX/XX/XXXX-XX/XX/XXXX ) was not applied to principal. The money went to Corporate Advance??? account, Misc. account not to the Principal like I requested on the check. XX/XX/XXXX I sent an e-mail to NationStar. To this day I did not receive the copy of the corrected account which I requested. Nobody got back to me. The only letter and e-mial is the confirmation of receiving the complain. When the mortgage was with XXXX XXXX XXXX everything was clear. With Nationstar nothing is clear and the fact that they refused to sent me a statement make them do what they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and I am disputing a late payment that is reported on my credit file from Loancare Servicing. My credit report reflects a late payment on my prior mortgage on XX/XX/2021 ; however, this is incorrect. I paid off my home in XX/XX/2021 so there should not have been any reporting of a late payment under my account. I am asking that this past due/late payment be removed from the Loancare Servicing account ( Reference To : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, TX XXXX ) immediately as it is impeding my eligibility in being considered for the purchase of a new home loan with the lower interest rates offered in this current market. I would really appreciate it if this inaccurate report be revised at your earliest convenience. I have attached copies of supporting documentation for my request. 

1. Credit History from Loancare Servicing 2. Payoff Letter from Loancare Servicing Thank you, XXXX XXXX SS # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Email : XXXX Cell : XXXX
Product: Money transfer, virtual currency, or money service

I wrote already a complaint against MONEYGRAMM in a transfer to XXXX for XXXX XXXX XXXX and NEVER was delivered even though i wrote several times to client service and they contacted XXXX too BUT MONEYGRAMM NEITHER DELIVERED HIM ANY MONEY NOR GAVE ME BACK ANY OF IT. 
Total was XXXX dollars that they STOLE WITHOUT ANY REMORSE. 
I spent time contacting them but the answers were repetitive, unuseful and silly. 
So i complaint here and its been at least 5 months ago or so, dont remember exactly and STILL I DIDNT HAVE ANSWER ABOUT IT. 
I have still my receipt to prove That MONEYGRAMM STOLE MY MONEY AND THEY GET NO CONSEQUENCES FOR ROBBING TO PERSONS WHO NEED TO SEND MONEY THROUGH THEM IN THIS CASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please make appropriate corrections reported as late payments on listed GM account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX Balance {$0.00} ; XXXX CARD XXXX Balance {$5500.00} ; XXXX XXXX XXXX ( Original creditor : AT T ) XXXX Balance {$320.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK XXXX XXXX Balance {$6500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK ) XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; XXXX  XXXX Balance {$12000.00} ; XXXX CO XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX on XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

Date - XX/XX/XXXX Claim number XXXX Debit card ending in XXXX Claim related to account ending in XXXX On XX/XX/XXXX at XXXX XXXX XXXX XXXX a charge of XXXX for ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) was made to my Chase debit card linked to my Chase checking account. This was a fraudulent charge and was reported to chase the next morning. Chase immediately reversed the charge and started their investigation into this. 

Upon completing their investigation, they found this charge to be valid and removed the amount of XXXX from my checking account. 

Chase told me that this debit card was added to a mobile wallet a few months back before the charge has been made and assumed that it was a legit charge. But I do not use any virtual/mobile wallets.

I have never used a debit card to make any online payments.This debit card was not saved to any online website or even had the details entered online anywhere. I only used this card 3-5 times to withdraw small amounts of cash from only Chase ATMs inside of the Chase bank. It never left the home other than those few times. I do not keep a debit card in my wallet on me.

I have not added this debit card in any mobile/virtual wallet as I do not use Debit card at all. 
Chase is unable to give me details of when this card was added to a mobile wallet or who added it. Since I do not have my own amazon prime, there are no records of this to prove that I did not make the charge. Amazon does not recognize the charge as they would need an account to pull up this information. This seems like a case of a BIN attack or some hackers cracking my debit card without it leaving the home or having the info entered online anywhere. It is absolute incompetence on the chase fraud team on having recognized a fraud charge as a legit transaction. 

Chase stole XXXX from my checking account and is refusing to revert those charges back. I have reopened the case 2 times and still they are not being helpful at all. The reps who I spoke with were not helpful either. They said they can not do anything about it as it is the fraud team who makes the decisions. I am not being transferred to their back end team who makes these decisions. 
I even went to the bank branch nearby and even the people at the bank were unable to help me with this. 

Chase should be held accountable for this. It is absolutely disgraceful on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company Name : Company : XXXX XXXX Account Number : XXXX Company : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX bankruptcy discharged Case Number : XXXX Please remove the fraudulent inquires listed below : Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX DateXX/XX/XXXX Company : XXXX XXXX DateXXXX Company : XXXX XXXX XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Please remove fraudulent addresses:XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to verify this account with the original signed contract with my signature date and name. They have not verified so it has to be deleted immediately by law. 

Account name XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I disputed Personal information. Such as my address Equifax continues to place wrong addresses on my credit reports profile. Promoting Identity theft. 

My Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My address is not XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Arizona XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute regarding an unknown XXXX XXXX account listed on my credit report with a balance of about {$4000.00}. I sent follow up letter 's to the credit bureaus on XX/XX/XXXX after information came back verified. No response to how it was verified. I received notice from XXXX XXXX on XX/XX/XXXX that they were unable to locate any account information based on the information I provided, which was the account information they are reporting. I sent the letter received from XXXX XXXX to all three bureaus on XX/XX/XXXX and XX/XX/XXXX. I've file disputes electronically with support docs and called. Still, they continue to report this inaccurate information. This has caused me great financial hardship in higher interest rates for vehicles and I'm unable to get bonded at a decent rate due to this error. I'm not sure what else to do. This account is not mine I contacted the company and even my ex-spouse to see if he got this card in my name. He said he didn't and XXXX XXXX can't find it. Please help
Product: Credit card

Just about every month the Comenity XXXX says they did not receive the payment by the due date. It often says it is a day or 2 late. However my checking account indicates otherwise. I think they run a scam operation as I checked their reviews and many people have the same complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX placed a block on my account to prevent me from driving. They stated they needed me to process a new background check. Upon providing permission to XXXX to conduct my criminal and driving background checks, I was informed that I would be reinstated once the check was completed, a process according to XXXX, that would take 1 to 2 business days. 

I have also applied to drive with XXXX on approximately XX/XX/2021. XXXX has also delayed my background check. 

Both companies use Checkr as a vendor for background checks. Checkr continues to say my background check will take a week. Each week they extend their estimated completion date. As of today, on the XXXX platform, Checkr promises a XX/XX/2021 completion date ; Checkr promises that my XXXX report will publish XX/XX/2021. 

I have lost approximately {$8000.00} minimally in earnings during this period.
Product: Debt collection

An old debt that has been delinquent for the last XXXX years illegally and illegitimately reappear on my credit report as a current, deferred and being paid as agreed. I have not communicated or made agreement to make this account current or pay it. It may have been acquired by a debt buyer or collection agency that then reports the debt even though it's more than seven years old. This is past the statute of limitations, meaning its too old to remain on my credit report.
Product: Debt collection

When we got the telephone service through XXXX XXXXXXXX we were told we had service where we lived. Phones only worked on certain roads did not work at house. Was told that a tower was going up after complaints so we would keep. No tower was installed and still phones not working. Was told to bring phones back which we did and the person that took phones told us that we should have never been told that the service would be ok. I was told that the balance would be taken off since we were told a lie regarding service and connection. I have not spoken to anyone since XXXX when phones returned and told would take care of balance. Now they are saying updated XXXX which is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer of XXXX from XX/XX/XXXX- XX/XX/XXXX called advised I would be getting another carrier asked my name and number be removed from the bill my contract expired. My daughter remained a XXXX subscriber they removed my phone number from the bill but left the account in my name when I called they informed me the account had been changed over. Although I did not receive any more bills they failed to put the account in her name. I have proof that I was a subscriber with XXXX in XX/XX/XXXX same phone number and now XXXX for over a year the same phone number. I provided a notarized statement as proof the bill is not mine, called the company ( XXXX ) asked them to send me a copy of the contract because I have not signed a contract with them in years no phone contract last forever. XXXX refused to correct this error sent me a form to complete wanting me to charge my daughter with fraud when it was their error for not changing the bill and address into her name, they sent bills to an old address they had on file. At any rate it has runied my credit my mortgage loan through the bank was disapproved for the recent collection on my credit report, I retired in XX/XX/XXXX no bills have come to me. I have made numerous attempts to resolve this issue with them they simply remove it from one credit report to another with a different collection agency. I want this removed from my credit record entirely because my husband has passed I need my credit to remain in tact to but a home based on my income it can not happen with this debt which does not belong to me binding every step I try to take. The collection is now with XXXX XXXX, and was being carried by a company called XXXX. The collection agencies should be held accountable for ruining your credit without performing an investigation. I am asking them to produce a contract bearing my signature after the 2 year contract period as proof. The people at XXXX are rude I have names of those I have spoken to supposedly in their corporate office. Please help resolve this complaint I need clsoure to move on and clear my name. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been working so hard on repairing my credit for over 3 years and finally have good credit. Today on XX/XX/ my score dropped XXXX points because I paid my mortgage on time. This has happen before and I need to find out why are they trying to ruin my credit
Product: Credit reporting or other personal consumer reports

Im submitting to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report.XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX  Balance : {$260.00} XXXX XXXX XXXX Balance : {$980.00}
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all three reporting agencies that information they still are reporting XXXX accounts.