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

On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX in the customer care recovery group who told me that it's not XXXX XXXX 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.
Product: Debt collection

On XX/XX/2020, I received a notice on my credit report that I owed {$2000.00} to Phoenix Financial Service. Original date was XX/XX/2020. Due to my XXXX I often XXXX  at work, or was XXXX or XXXX, and would be taken to the hospital without my consent
Product: Checking or savings account

My son has a youth checking account with USAA. He was the victim of a crime and USAA 's policies contributed. 

A scammer contacted my son on the internet and convinced him to deposit 2 checks for {$4000.00} each and transfer back a smaller amount using XXXX. 

As a USAA account holder, my son was targeted for this scam. Scammers know that : 1 ) USAA provides immediate access to large sums of money via mobile check deposit ( other financial institutions give access only to {$200.00} and wait 1 week for the rest ) 2 ) USAA 's youth spending limits are broken. USAA allowed my son to transfer out {$3500.00} to the scammer despite my setting a limit of {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrectly reporting late payment ( XXXX, XX/XX/XXXX ) as late on my second mortgage with XXXX XXXX XXXX. I have talked to XXXX XXXX XXXX who has verbally validated that no late payments have been made. They have also indicated that they have not reported any late payment to the bureaus. I've disputed this information over 4 times to both Equifax and XXXX with little results. They have both come back saying that the lates were correctly reported by the loan servicing company. I've included the Equifax documentation as well as the mortgage servicers statements they have sent me showing that there hasn't been any late payments made. Disputes were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.This has negatively impacted my credit scores and I would like this corrected to show never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report lists a residence of : XXXX XXXX XXXX, XXXX, FL XXXX. I never have lived there. 

It lists XXXX XXXX XXXX and his address, XXXX XXXX XXXX, XXXX, TX XXXX as me and my address. He is my brother ; his information should not show up on my report.
Product: Debt collection

I received a letter from a company American Coradius International LLC claiming that I owe debt to XXXX, XXXX Account Balance is showing {$130.00} My current balance with XXXX is XXXX dollars and I 've never had any issues with XXXX . At the same time XXXX does not seem to be taking this issue seriously. The letter I received from a debt collector seems to be a straight up extortion. Claims that if I do n't respond to the claim in writing within 30 days, the debt will become valid. 

I 'm not going to respond to them as I believe it 's a scam!
Product: Bank account or service

This complaints regards to a undelivered account opening bonus promised and confirmed by citibank. On XXXX 2016, I opened a new Citi gold interest checking account with an opening bonus to receive XXXX AAdvantage miles when certain requirements are met. When I got my card, I contacted the customer service to confirm the offer. Also after I met all the terms of the promotion, I called again and the customer service representative told me that I should receive my bonus within three months. Now the three months passed by and I have n't received the bonus. I contacted citi again and now they said I am not eligible for the offer. Even though all the previous calls I made, they said I had the offer, met the requirements and would get the bonus. The citi representative today refused to open a case, investigate the issue or provide a solution. I think this situation has be very troubling, deceiving and unethical on the part of citibank.
Product: Checking or savings account

I opened the account and then I lost online access and they are not letting me access my account depriving me of access to my information and funds
Product: Credit card

When I went to check my credit report on XXXX during the month of XXXX I found that they had a delinquent account on my Macy 's credit card that I was 90 days late on a {$980.00} charges. I two years ago bought a mattress from Macy 's but paid for it in installment plans. When I called their Customer Service they said that a series of purchased were made online with their Company. I have never made an online or in store purchase in two year.
Product: Mortgage

Contacted XXXX, my account rep at Ditch 2 days ago and never received a call back regarding a loan modification. I want to stay in my home, submitted additional documentation that should qualify me for a modification.
Product: Debt collection

Hello, Rash and Associates contacted me on XX/XX/XXXX regarding a debt in which I have already paid them over {$3500.00}. The original debt was with the city of XXXX Ca who began a program in which they charge rental property owners a fee. The original debt was {$2500.00} and the city of XXXX never sent the bill to my address. I received calls from the collection agency with an offer of {$3300.00}. I have paid this company {$4000.00} dollars and they increased the debt to over {$5000.00}. They still have {$960.00} attached to my credit account. I filed a complaint with XXXX because XXXX was given documents and proof that I paid over {$4000.00} and they allowed XXXX XXXX XXXX to changed the amount of {$2500.00} to {$960.00} and this is after I had provided XXXX with documents that I have paid more than {$4000.00}. Furthermore, I did a debt consolidation and I believed my lender had paid off the {$960.00} to Rash. However, when I contacted my lender to see if they paid it off they agreed with my statement and why I had not paid Rash and they didn't pay them off. I wish to have Rash and Associates to stop contacting me and leave me alone. Also, stop modifying the debt with XXXX because I don't owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

FNB OMAHA, checked my credit with XXXX credit without my permission. I never ask them to check my credit. They used my information for someone else. I never tried to get credit from this company, my credit was checked on XX/XX/2021. They did not have my permission to check my credit. I never gave them my permission. If they would have checked they would have seen that there was a block/freeze on my credit report. They would have had to call me to get my consent to check my credit. There is a statement on my credit report that states to call me before they check my credit. I never got any phone call nor did they contact me by e-mail or mail. 
This is identity theft. I never ask them for any credit. They disobeyed the law by checking my credit without my consent. This is not the law when there is a statement on my credit report to call me before they check my credit. 
No phone call ever came. Identity theft.
Product: Mortgage

I paid $ XXXX in arrearages and got approved for a loan modification. I received a letter from Guild Mortgage Company stating that my Escrow was short and it was short because out of the monies they received they only put in {$1.00} for my escrows monthly. Even though all of the monies that was requested was paid, Guild Mortgage didn't allocate the correct amount to my escrow account which made me short and my payment increased outside of approved loan modification amount I was approved for. 

I need someone to go back into the account and apply the accurate amount of funds to my escrow in order for the insurance and taxes increase to reflect the correct amount of around {$44.00} and not the XXXX and something it is showing that I am short for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Affirm account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for XXXX purpose. 
XXXX
Product: Credit reporting or other personal consumer reports

I disputed information on all three consumer reports and information such as balances and pass due were updated on these charge/off closed accounts to reflect open and revolving. For example XXXX account mentions an account opening in XX/XX/XXXX but also says first delinquency was in XX/XX/XXXX. This is a complete validation of my rights. As with other accounts there is no payment history and they were able to validate these debts. Nor did I give written consent to any company to use my credit profile or history to report incomplete and inaccurate information to any of the consumer agencies. These following companies violated my rights given to me based on ( FCRA ) 15 U.S.C. 1681. These companies include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureaus for several attempts to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is ridiculous..Please delete XXXX XXXX XXXX
Product: Mortgage

To Whom It May Concern : Our home was purchased in XX/XX/XXXX, and we had the income at the time to support the mortgage. 
In XX/XX/XXXX, at the start of the pandemic, wife 's job was on furlough due to government shutdown. She was out of work for a period and requested a loan modification from our mortgage company, Land Home so that our credit score would not be affected. We were unsuccessful in speaking with associates from the mortgage company to begin the loan modification process and discuss the negatives on our credit report during the pandemic. We reached out to legal advocates to assist us in our loan modification request and credit score appeal since we were unable to establish this with our mortgage company. As the process was being worked by the legal advocates team, we were told not to pay the mortgage during this process. 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 
We are not avoiding our responsibilities and are quite embarrassed that we are in this current financial struggle. She has completed all treatments and surgeries as of XX/XX/XXXX, and we are eager to begin paying on our mortgage as we were doing prior to the pandemic and health issues. My husband and I have returned to working full time and are able to make our monthly mortgage obligations as set forth in our loan documents and per FHA requirements. We are writing to explain what caused our financial hardship and when it began so we can move forward. We love our home and want to retain it. We know that we all want to avoid the foreclosure process and have attached our most recent check stubs and bank statements to verify funds. We look forward to reaching a fair resolution to all issues discussed in this letter with you and our legal team as soon as possible. 
We appreciate your assistance and understanding of this matter, we are aware time is of the essence and we are available on demand. If you have any questions, or require any additional documents, please contact us directly or our legal team. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company Discover.iT placed a Fraudulent hard inquire after signing up for there Pre Qualification check ( With No Harm To Credit ) option Available to the Public. I was Not approved but Still have the Hard inquirer.
Product: Bank account or service

XX/XX/XXXX I went into Navy Federal Credit Union to cash a third party check through my Navy Federal account. Prior to going Navy Federal I contacted the company via telephone to make sure I would be able to cash the check and was told that I could. Once at the bank the story changed and I made a fuss about the misinformation. The days to follow I attempted to use my atm card only to find my account was restricted. I continued to bank with NFCU and in XX/XX/XXXX they took about {$3000.00} from a direct deposit to be posted to my account in my sister 's name, who owed the money to me and owed NFCU as well. I was not notified that my account was being restricted in XX/XX/XXXX or why it was restricted ; nor was I aware that it was legal to take money from a member 's account because the money was owed by another member.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was informed XX/XX/XXXX by my insurance company that the Mortgage Company had not paid my Hazard Insurance due XX/XX/XXXX. I have confirmed with the website of the mortgage company. My Mortgage Company is Freedom Mortgage. I have phoned Freedom Mortgage twice, the first time it took 7:57 minutes to reach a live person as the phone prompts repeatedly forwarded be back to previous prompts. Then the representative forwarded me to the Insurance department in which the phone system again placed me back through repeated prompts and a live person never answered. 
I later called and it took 12:53 minutes to reach a live person but I could only reach a live person by identifying myself as a representative of an Insurance company. Once a live person answered, I explained my difficulty and inquiry, she then tried to transfer me again. I stopped the representative and cited the regulation 1024.36 ( a ) ( b ) as I am very familiar because I am a Lending Compliance Officer of a Financial Institution. I was then placed on an extensive hold superseding 10minutes before disconnecting. I hav also emailed the company twice as well. I have Mailed my QWR but I am concerned there will be a lapse in my coverage due to their negligence and I need to know how to hold the Mortgage Company accountable for such negligence?
Product: Credit card

I have been set up for payment reminders and online banking/statements for all of the accounts I have with PNC bank. I regularly receive statements and activity for my checking account. However I keep getting late fees for my credit card account because their system does not send the reminders to my phone or email even though their website states I am actively enrolled. When I called in to inquire, they just transfer me around and no one can figure out why I am not receiving credit card statements or payment reminders and I have had to pay multiple fees because of this. Payment reminders are my preferred method of keeping up with my bills. Every other company can send reminders except PNC.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my consumer report and has failed to properly investigate errors. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has taken over 30 days to complete my investigation. To date, they still have not provided me with an update and have claimed to the XXXX that they are still working on it. However, when I initially reported and disputed through them about my identity was stolen and that the creditors listed on my credit report did not belong to me, they returned a decision ( without updating me ) that the files were updated as correct. They left the creditors on my credit report. Now, they have asked the XXXX for an additional 60 days after they did not complete within 30 days and did not update me. This should not take any additional time to complete because if the credit belonged to me, it would be able to be proven. The creditors are unable to prove that the credit cards listed belong to me because it does not. As listed in my previous complaint, my name is not listed properly and the addresses are incorrect. I have not resided at any of those addresses listed on my credit report. Equifax should not be granted any more additional time and that they should immediately remove the fraudulent credit/creditors/credit cards from my credit report, as my identity was stolen. They had enough/apt time to collect information and to investigate. They took 2 days initially to keep it on there. I had also sent Equifax, in my previous complaint, the official documents of my official report of stolen identity and the misspellings of my name and incorrect addresses that the creditors reported on my credit file, proving that it was not me. I have never authorize the creditors for any credit. I would like the following removed my credit file -including the inquiries. The following are : XXXX Bank, XXXX Bank XXXX, XXXX, and XXXX XXXX Bank. Also, XXXX XXXX Services is listed twice on my report for the same. One should be removed.
Product: Mortgage

In 2020 during the pandemic Covid 19 I applied for a motivation after a divorce where I was awarded the property. Both Attorny advised me & my ex husband that he was not on the deed. They contacted the deeds office in our presence. My modification was approved after I successfully completed the trial payments. The repress of Shellpoint mortgage who handled the modification, continuously asked for additional documentation. The final and ONLY document that I was unable to provide was the stamped quit claim deed from the Recorder of Deeds office because ALL offices were closed to protect their employees from the deadly virus. Shellpoint Mortgage Servicing rescinded the approval and denied the modification. 

XXXX XXXX  did a modification in approximately 2006 and my ex husband refused to sign the closing documents. I suspect that they forged his signature on the closing documents. 

I appealed Shellpoint Mortgage decision and was still denied. I advised XXXX to motion the case into court because I felt discriminated. They did not do as I asked. I was informed by the attorney that filing a complaint may hinder me from getting my modification or my issues resolved. In turn, Shelllpoint transferred the mortgage to XXXX XXXX immediately after they denied the modification. XXXX XXXX spoke to me several times then denied to speak with me because I was represented by an attorney. XXXX has continuously denied my modification stating my income isnt adequate and I make more than I did previously. I am currently providing XXXX additional documentation and feel discriminated as they continue to deny me.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/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 was in the process of trying to get a mortgage and when a new credit report was pulled an account from Enhanced Recovery was reporting. I had a representative contact them because time if so of the essence. I currently have XXXX so I was surprised that they indicated they were collecting for XXXX. I would have paid this had I gotten notified but never did. My representative asked for a number to reach XXXX and was told they would not give the number. I have called several XXXX number and have gotten nowhere. What worries me now is how do I know this is truly mine? Like I said I have XXXX now and if they ca n't give me a phone number to contact the original company how can I know this is a valid account?