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

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over XXXX  days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Product: Debt collection

I got phone calls and voice mails each day from Portfolio Recovery Associates. They claim I owe money but have never sent me a validation letter regarding the debt.
Product: Mortgage

NationStar as a mortgage servicing company for XXXX is not customer focused and are not being transparent about their processes for making decisions that affect American Consumers. <P/>On XX/XX/XXXX, I inquired with XXXX/NationStar about the criteria to eliminate my escrow account. On XX/XX/XXXX, they shared with me that my loan to value ratio was 92 % and did not meet the 80 % criteria for elimination. That same day, XX/XX/XXXX, I sent a follow-up question about how they calculated my loan to value ratio. <P/>On XX/XX/XXXX, XXXX/NationStar shared with me that using my original loan appraisal amount of {$220000.00}, I did not meet the 80 % required loan to value ratio to eliminate the escrow and they referenced my mortgage agreement. Again, the same day, XX/XX/XXXX,  I, in turn inquired about sending a new updated loan appraisal -- at my expense -- since my home value had changed significantly since the original purchase in 2012. Since their original responses were so quick, I was confused when I did not receive a response within a week to my second follow-up question. After no response, I inquired again on XX/XX/XXXX <P/>On XX/XX/XXXX, without explanation or any information grounded in published for the customer policy or without reference to my mortgage contract, they simply stated that this would not be possible. <P/>I found this response to be inadequate, not grounded in documented policy and intentionally flippant to a very serious question posed by a paying customer. I shared with them as much and let them know that I would be sending a formal complaint about their response. XXXX/NationStar 's practice of not being completely transparent with customers about what is driving such a critical decision is unacceptable for the American consumer. <P/>I have never been behind on my mortgage payment, and have opted to pay my property taxes and property insurance myself rather than out of my escrow account to show that I am more than capable of managing these expenses myself. Again, although I am aware of the requirement and the fact that I am voluntarily doing paying these expenses outside of my escrow account this alone does not exempt me from the escrow requirement. I will say that the process for determining my loan to value ratio must be transparent and fair and this is where XXXX and NationStar is failing. <P/>Please, any assistance you can provide would be most helpful. I just want a fair assessment of my homes current value as a basis for the decision concerning my escrow requirement.
Product: Debt collection

MRS Associates - XXXX. Called my wife and said he it was regarding a debt collection. Repetitive calls to my me, my wife, my work regarding a debt owed to my father who passed away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXACCOUNT # XXXX WHY is account reporting different dates of last activity, different dates that the account was opened and different dates of last activity as well as a past due of amount of {$4300.00} all are being reported inaccurately by the provisions of the Fair Credit Report the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report, and you are to remove any information that is not true, accurate and compliant. Under the law FCRA USC 15 1681 EACH ALL UNPROVEN, INCOMPLETE, UNTRUE, INACCURATE INFORMATION MUST BE PERMANENTLY DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergence outsourcing pulled my credit without authorization and while I had a freeze on and XXXX  let them
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I have already contacted the bank and they have resolved this issue and refunded the interest fees.

This is informational, so that others do not run into the same trap.

When scheduling AutoPay through Bank of America bill payment, there are 4 options in the following order Select an amount Amount Due Minimum Amount Due Account Balance Fixed Amount One would assume that the second option ( Amount Due ), would result in a payment that equals the last statement balance, however it will actually on pay the minimum amount due. 

In my opinion, these options are confusing and setup so that the consumer pays the minimum and gets charged a interest fee. Most consumers will not call in to dispute this. That is what the bank is relying on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not get proof of investigation from prior disputes so now I want these items deleted by law since they credit bureaus failed to comply with my request I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote to XXXX XXXX XXXX in regards to my auto loan being reported as late for XX/XX/2022 as all three ( 3 ) credit bureaus show it was late. On XX/XX/2022 XXXX XXXX XXXX sent me a letter stating that based upon their research they are not reporting any delinquency for XX/XX/2022. I want this negative reporting removed from all three ( XXXX ) credit bureaus immediately as it is inaccurately reported on my credit file.
Product: Money transfer, virtual currency, or money service

Continued on going fraud and identity theft from other entities using email and personal information to set up or change account details notified fraud and phishing departments numerous times
Product: Credit card

Good morning-My husband, XXXX XXXX XXXX, passed on XX/XX/XXXX. I was trying to get all the creditors he had cards with in his name notified. I contacted XXXX, and I assume they thought the card was originally issued to him. However, he was only an authorized user. XXXX recognized the program and reinstated my card, # XXXX. For some reason, this collection company, LTD Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX, has contacted me XXXX claiming that I owe {$330.00}. I pay my XXXX credit card 's entire balance each month. My balance is XXXX as of XX/XX/XXXX. 
I work for the XXXX and can not afford to have collections on my credit report. I have contacted XXXX, the company, and now your office to stop these erroneous charges.
Product: Debt collection

I moved my service from a house to an apartment. My fish wasnt able to be installed due to location so the rep took the dish with him and I was instructed to dispose of the box. I was issued a refund for the month since I was no able to use the services. XXXX XXXX then booked me {$55.00} and put the account in collections. I contacted them and they resolved the error, stating they balanced the account and removed the collections. It has been 2 years and XXXX XXXX has put the account back in collections again, after previously resolving. XXXX told me to just pay it, I will not pay a balance that I do not owe and I will sue XXXX XXXX for damaging my credit fraudulently. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$430.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I continually get phone calls supposedly from Chase about my rate expiring. The number on my caller ID is XXXX XXXX. When I requested that my phone number be removed, I was told that I had to pay {$1000.00} to have it removed or I would be called once a day. The phone number call was XXXX XXXX and the most recent call was on XXXX XXXX, 2020 at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : US Department of EducationXXXX for {$22000.00} on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX on XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXXXXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature. 

XXXX XXXX XXXXXXXX XXXX  keeps sending documents not requested and a lot of documents not requested in chines writing. 

XXXX XXXX XXXXXXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.
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 : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : 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 C Systems placed a collection on my credit report back in XX/XX/XXXX. I disputed this through my XXXX account but was denied. I then submitted a XXXX complaint because 1 - The debt is not mine 2- They never reached out to me letting me know they where going to place this on my credit report 3- When i asked for proof this debt was mine they did not have any proof When XXXX was involved I C Systems did reply and stated the following as well as sent me a letter to my home which i have proof of that says : " XX/XX/XXXX XXXX XXXX Please accept this letter as confirmation that I C SYSTEM will no longer pursue collection of this account and will return it to XXXX. 
We will request that any information our office may have forwarded to the credit reporting agencies regarding this account to be deleted or removed from their records. You may wish to review you credit report to ensure that your credit information has been properly updated. Your credit bureau account number is :XXXX This communication is from a debt collector " CREDITOR : XXXX ACCOUNT NO XXXX I.C. System reference no XXXX Balance {$1400.00} As you can see above this was sent to me on XX/XX/XXXX. It is now XX/XX/XXXX and i just got off the phone with XXXX and they have no information from I C System and this collection is still illegally on my credit report negatively affecting me and my family financial well being. PLEASE HELP When i contacted I C System again on XX/XX/XXXX via phone the representative stated they have no idea and said they would transfer my call to a Senior advisor but instead kept me on hold and hung up. I have proof of this letter sent to me, i also have proof that I C Systems replied to XXXX With the exact same answer.
Product: Bank account or service

After signing up for online banking statements ( paperless ), I was still charged a fee of {$5.00} per month for " return statements ''. I have called the bank ( BB & T ) several times each year as well as going to a local branch ( XXXX NC ). Each time I was told it would be researched and corrected. Nothing was ever researched and the fees kept coming. Now the bank ( BB & T ) tells me they are willing to refund me one year ( {$60.00} ) of the fees even though I know they have charged me at least {$200.00} or more in these fees. They also took the money from a small savings account with these same return statement fees and closed the account. They say that they have no record of me talking to them regarding this problem or of me coming to the local branch to discuss this problem. The computers show when I signed up for no statements so the error on their part should show the amount they have charged me and how much should be refunded to me.
Product: Checking or savings account

I received an email from MoneyLion ( issued by XXXX ) on XX/XX/2021 in my personal XXXX account states that " Your new MoneyLion Debit Mastercard is on its way ''. Apparently, someone was able to open a checking account under my name with a company named " MoneyLion ''. I called MoneyLion XXXX XXXX XXXX on XX/XX/2021 and spoke to a representative, XXXX XXXX, once she verified some basic information about myself, she was able to close the unauthorized XXXX  account ( checking account ), and sent me an email. As my understanding, my identity information ( name, date of birth, SSN, address, email ) was stolen. I have no idea who did this and why this company issued a banking account under my name with no credit verification. I hope you do your best to get to the bottom of this. I placed fraud alert on XXXX, XXXX, XXXX, and XXXX. Thank you in advance. Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection on the credit report has not been erased. This debt was paid since XX/XX/2019, and should have never appeared on the credit report as a collection to start with since it was paid. 
I told them I want the mistake removed from the credit report ASAP and provided proof of payment. The company verified that payment was received. 
I told them I need a letter that states that they received payment and it will be removed from my account. they never replied to me. I am in the process of getting a loan and this is slowing it down. they said they would delete it and they have not and are violating the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/XXXX, I mailed XXXX, XXXX, and Experian a letter stating that the names, address, and place of employment showing on my credit file are not those of mine. They sent letters back stating that the FCRA states i am obligated to provide them proof of my social security card and Driver license to prove the information does n't belong to. I have sent this on several occasions including with the most recent letter on XX/XX/XXXX demanding the remove inaccurate address, and names and employers as they are making me susceptible to Identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX hit my wife and I looked into mortgage payment deferral with Wells Fargo. She was temporary out of work. But we did not sign up for it! We continued making out payments and discovered we had Forbearance on our credit from Wells Fargo. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!!
Product: Checking or savings account

To Whom It May Concern, Im writing to express my frustration with Capital One regarding my direct deposit. Its been over 48 hours since I was paid, and my deposit still hasnt hit my account. 

Whats worse is that I wasnt even notified about the issue until almost 24 hours later when I received an email saying there were technical problems. This delay and lack of communication is completely unprofessional. I rely on my direct deposit, and this situation is causing a lot of inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

This Name is incorrect please delete : XXXX XXXX XXXX I'll never live in the following addresses it is incorrect please deleteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Delete all the unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection is not mine I'm a victim of Identity theft please delete : XXXX XXXX XXXX {$100.00} XX/XX/XXXX
Product: Credit card or prepaid card

I add a " authorized user '' to my account via my on-line account, it was mailed to my p.o. box ( the only address associated with my account ) I received the card in the mail. I never activated the card. 
On XX/XX/2021 I received txt messages informing me the transactions were made on my card. I didn't not recognize these transactions so I called my credit card company. It was at this time they informed me that someone had called and requested a duplicate card and requested that it be mailed to a physical address not associated with my account. My credit card company fulfilled this request.
Product: Credit card

Regarding a Home Depot credit card through XXXX XXXX ( I believe ). 
Several months ago I paid off my account balance leaving only a {$XXXX} fee active. In my most recent statement the amount due had been increased to {$XXXX} via an additional late fee of {$XXXX} plus interest of {$XXXX}.
Product: Mortgage

Hi, XXXX passed away in 2014, submitted documentation of what was requested The deed states that is is joint tendency and the mortgage company does not want to accept me name as the owner, but I, XXXX XXXX, wife of deceased spouse name is also listed on the Deed. They are asking that I sign a family transfer packet, but why would I need to sign that, when my name is already on the Deed. The mortgage company is still sending mail to the Estate of XXXX XXXX, when in fact it should now come to me. I have been waiting for 7 years to get this matter resolved and an overage escrow check is being held up because it was in the estate of XXXX XXXX and they will not issue the check in my name. I would really like to get this matter resolved ASAP. 

Mortgage Company is XXXX/PHH.
Product: Credit card or prepaid card

On XX/XX/2022 I received an unsolicited XXXX Debit card with my name on it at my home address via the United States Postal Service. The card lists cash.app and XXXX XXXX. On XX/XX/2022, I reached out to the customer support of Square ( the parent company of cash.app ) and was told that they could not help me. On XX/XX/2022, I tried to reach out to both Cash.app and XXXX XXXX to close the account ( s ) immediately and was told that could not be done immediately and that I needed to respond to an email with more information to begin an investigation. I am unable to get in touch with a fraud prevention specialist at either institution even though I called during posted business hours. According to a cursory search on XXXX, this is happening to many people over the last 2 years.
Product: Credit card

On XX/XX/2023, I made a purchase using a Klarna one time card. The transaction originally totaled {$240.00}. During the process of 24 hours, 1 return for {$3.00} was refunded and the total dropped down to {$190.00}. 7 items that were to be shipped were canceled. Those items totaled {$43.00} ( without applicable taxes added ). Once the items were canceled, a hold of over {$43.00} was released. 

Once those items were canceled, I received an email from Klarna stating that the XX/XX/XXXX purchase was paid in full and future payments are canceled. Then In XXXX, I received a notification about paying on this order. I spoken with agents over the phone and through email. Each representative is telling me that I owe money on a transaction that was already paid in full and if I feel as if I dont owe, to contact XXXX XXXX I did just that, with XXXX telling me that all refunds and releases of bank authorizations have been completed and to contact the card issuer, which was Klarna. 

I even requested for the Klarna reps to do the simple math to learn that an error was occurring. Still, Klarna representatives keep telling me that I am the problem and that I have to pay {$42.00} plus a {$7.00} late fee for nonpayment. At this point, I want to sue because this is a perfect example of a deceptive practice Klarna is purposely participating in. I dont know whats going on with companies nowadays, but taking advantage of your customers is low.