23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I submitted a dispute to XXXX regarding XXXX XXXX XXXX for a collection account that I did not recognize. During the investigation all XXXX Credit Bureau 's place a dispute as well as for XXXX that I did not know at that time it was linked to XXXX XXXX XXXX. When the investigation was complete I received the results online but did not get any verification signature from either company stating that the account was mine. I received a notification on my credit monitoring that XXXX was removed on XXXX XXXX, 2016 then readded back to my credit report on the same day XXXX XXXX, 2016 as a new account. I then contacted the credit bureau 's about reinserting the account without being properly notified.
Product: Debt collection

I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.
Product: Credit card or prepaid card

My name is XXXX XXXX I have a credit card with Capital one. My last payment of credit card was in XX/XX/. I received a judgement for {$1500.00} dollars on XXXX XXXX thorough XXXX County Texas. I had not received any letters or calls prior too this judgement. Not even one voicemail or email. Including letters. I am unemployed. Over a XX/XX/XXXX dollar with no attempt of trying to even reach out is discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card reported my credit card account delinquent to the credit reporting agencies in XXXX of 2019. I have had this credit card account open for 10 years and Discover always deducts the monthly payment from my account every month. But last year I noticed a late fee and contacted them about why the payment wasnt deducted from my bank account and why I was assessed a late fee. The operator assured me the problem would be corrected and the monthly payment would be deducted from my bank account. Another 30 days had passed by and I saw that Discover still did not deduct the monthly payment from my account and contacted the credit reporting agencies that my credit card account was delinquent. I dont know why Discover did not deduct the payment from my bank account after they reassured me that they would and why the credit reporting agencies were contacted.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 {$6000.00} dollars sent this though the agency XE money transfer to my recipient, the same day when XE send me a notification the money is in the recipient account I call him to check his bank account to see if was the money there, no wasnt there, I called the agency to notify this and they said I need to wait, Im still waiting for three months, I decide to let them know that I need a recall that I want my money back, but they only said the bank dont respond the recalls, they try to fooling me or what, thats why Im sending the bank statements from my recipient bank to proof he never get the money, they privacy said if the recipient dont receive the transaction XE need to refund the money, dont try to steal other people money, be serious.
Product: Debt collection

I have been contacted numerous times by a company I have never done business with. This company is in no way located or associated with the state of Michigan and I have never resided outside of this state. I have asked them numerous time via phone to VALIDATE the debt they say they have on file for me. They have not sent VALIDATION to me as to why they are contacting me regarding a debt I do not owe to them. I have NEVER signed or agreed to any contracts with this company and I don't know why they think they have any rights to continue to say I do or to contact me at all. They have placed this said debt on my credit reports without first sending me written proper validation or written warning. This is a violation of HIPPA as well as the FCR act and I have rights to take this further. I want them to decease contact with me immediately and them to remove this NEGATIVE mark from all of my credit report ASAP.
Product: Credit card or prepaid card

1. Attempted to use credit card at XXXX - card held since XXXX - declined at register 2. Called XXXX  credit services - informed that a charge was unpaid from XXXX XXXX for {$79.00} - with penalties and interest balance now {$330.00} - never received statement and never received telephone calls or dunning letters 3. Informed that mailing address was changed to a XXXX XXXX XXXX in XXXX, MA where bill was mailed - I did not change address - asked for receipt of purchase and to reverse additional charges 4. Informed agent that we had lived at our address for 12 years and had the same telephone numbers. Recently moved to new home in XXXX XXXX but left forwarding address with post office. There was an odd number on file at XXXX which we have never listed. 
5. Told to dispute charge with XXXX XXXX at specific address - mailed letter on XXXX XXXX, XXXX for further investigation as to charge and address change 6. Received letter from XXXX XXXX XXXX - requesting payment 7. Wrote dispute letter to XXXX with copy of dispute letter from Target 8. Filed complaint with Attorney General 's Office in Massachusetts 9. Called XXXX - representative claimed no receipt of either letter - requested email address and emailed copies of my letters to collection agency 10. Email received stating collection process would be temporarily stopped while under investigation 11. Received call from XXXX on behalf of AG - contacted XXXX - requested copy of receipt, reduction of charges and removal of item from credit report 12. XXXX unable to find documentation concerning dispute - could not offer any information other than to call collection agency and ask to settle for lesser amount. 
.13. XXXX unable to persuade XXXX to help - agent from the office suggested I file a complaint with the CFPA
Product: Credit reporting or other personal consumer reports

This is my second notice regarding the inaccurate items that are being reported on my credit. Up until this point the agencies have ignored me and my requirements of them, which are to make sure that the items and information that they are reporting are entirely accurate. This is wreaking havoc on my life as I have to continue to reach out to the agencies in order for them to do their job.
Product: Debt collection

On XX/XX/2023 I wrote an email requesting to dispute a debt from the creditor due to the incorrect balance amount that was shown that I owed. I was told to send documentation via email and that they stopped the dispute and would not put anything on my credit and I did. On XX/XX/2023 I attached a balance sheet from Genesis Credit via email to their employee XXXX XXXX- showing that the company said that the balance was {$18000.00} and was sent on XX/XX/2023. Yet, when they called me their balance was different and the amount was around $ XXXX. I kept following up with the company asking for verification of the debt via email and phone calls XXXX times after and they ignored me and reported the information on my credit instead. On XX/XX/2023 I sent another email and called Genesis twice requesting a debt validation letter again. On XX/XX/2023 I received a voicemail from their employee XXXX from her personal cell phone number saying that there was an emergency and I needed to call her ( she could see that I probably disputed the account ). Once I spoke to her she began to lie about the process of the dispute, the balance amount and even went to the degree on the phone call to say that they couldnt get ahold of their client to verify the debt and that youre being difficult so I am going to write down that youre refusing payment. I repeated XXXX times on the recorded phone call that I did not refuse payment. I called back and spoke to her supervisor XXXX who informed me that XXXX did mishandle my case and he advised for me to dispute the case with credit agency directly because he saw on his side where the client could not verify the correct balance for the debt that they bought from XXXX XXXX. He also stated that XXXX mishandled my case by reporting it directly to the credit bureau the day she spoke to me- she did not stop the collections as she told me she would for a dispute. She reported the information the first week I called her out of retaliation. I am attaching all balances that I have been told I need to pay or Ill be sent to jail and that this is such a high balance how are you ever going to pay it including the initial balance that was told to me but all of a sudden each month the balance changes.
Product: Mortgage

My mortgage loan was sold to this company during the XX/XX/XXXX - XX/XX/2018 timeframe. I was notified of the transfer and told that SN Servicing Corp would officially take over as of XX/XX/2018. 

During the transfer process, I was immediately confused as to when my next payment was due because I was already informed that money was still being processed from the old servicer ( XXXX XXXX XXXX ). In XX/XX/2018, there were 3 payments made : one from XXXX XXXX XXXX ( {$920.00} ), one from me ( {$870.00} ) and one from Rushmore Loan Services for ( {$460.00} ). I even  called/emailed the company for clarification - never received a response to my email and was given misleading information during the phone call. 

Technically, this should have been payments for both XX/XX/XXXX and XX/XX/XXXX, however, only one payment was created ( posted ) in timely fashion and ultimately when I made my next payment in XX/XX/XXXX for the amount of {$870.00}, this was incorrectly considered a " late '' payment for XX/XX/2018, when it should have been an on time payment for XX/XX/2018. 

Needless to say, I am convinced that much of my account history with SN Servicing is flawed, resulting in a cascading effect on my history. I have requested a forensic audit ( line-for-line ) from SN Servicing Corp and they refuse to be cooperative. I am concerned because they have a D- Rating with the XX/XX/XXXX and have several complaints filed against them for similar claims, most of which involve fraudulent activity with their servicing of loans. I believe some of my late payments are the direct result of inaccurate accounting, as well as poor communication, inexplicable fees and other intentionally misleading accounting practices, which I'm sure violate regulations. When I made attempts to bring my account current, I was also misled by Customer Service that additional payments would help bring me current, when ( in fact ) some of them simply got put towards principle in error. 

I am requesting an investigative audit of my account. As a result of their handling of my entire transaction history, my wife and I have been declined for a mortgage based on this one company 's accounting, even though the rest of our credit profile ( and payment history ) is great.
Product: Debt collection

The are trying to collect old very old debt from a family member i do not live with. I tell them to stop calling and they say I've never told them to stop calling And they become rude and abusive. The company is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still reporting invalid on my credit report they will not update it with the correct information because its listed as a closed account, when I call and ask them to please correct the invalid information on the closed account they try to tell me that because the account is in a closed status that it doesn't matter about the way it's reporting but yes it does cause its still affecting my scores.
Product: Consumer Loan

This loan is reporting as incorrect on my credit reports - and it is reporting as a ChargeOff when I made advance arrangments and the account was settled for the balance that was owed. ( {$280.00} on XX/XX/2015 ). There was a prior issue with management by the company for this loan and my payments were not applied correctly nor was I receiving any written correspondence after multiple requests for it. I also have not received a paid in full letter from the company after my payment on XX/XX/2015 and I have already called XXXX times and each time promised it would be sent, however it 's never been received. I want this correct or removed altogether from my credit reports.
Product: Mortgage

1. XX/XX/XXXX XXXX XXXX transferred the loan to XXXX XXXX XXXX. XXXX began to alter checks by scratching out " XXXX & the loan number '' then hand writing their name and a different loan number on the check. 2. XX/XX/XXXX XXXX XXXX received a loan modification prepared by XXXX. The principal balance was raised without explanation from {$250000.00} to {$260000.00}. 3. Between XX/XX/XXXX and XX/XX/XXXX all the loan payments sent to XXXX were never credited to the account. ( XXXX XXXX has all the canceled checks to show the payments were timely sent and cashed by XXXX ). 4. XX/XX/XXXX, XXXX received a " Tax Bill '' from XXXX County Treasurer, stating that XXXX had not paid real estate taxes from the XX/XX/XXXX escrow. 5. Mortgage Interest statement for XX/XX/XXXX from Internal Revenue Service reflects XXXX amounts paid. 6. IRS Form XXXX for XX/XX/XXXX shows that XXXX XXXX XXXX did not report any of the money they received from XXXX ' loan payments made between XX/XX/XXXX - XX/XX/XXXX. 7. XXXX attempted to resolve the issues with the missing money, false negative credit reporting, and other issues with XXXX. She was given a run around by a customer service in XXXX. Then The loan was put into default status, and transferred to NationStar Loan services,  for a Loan Modification under threat of foreclosure. The missing money totaling over XXXX XXXX dollars was never credited to the mortgage account. A Pro-Se lawsuit was filed XX/XX/XXXX in Federal Court against XXXX by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Vehicle loan or lease

Since XX/XX/year>, had issues with warranty, the payments, XXXX XXXX, wouldn't work with me. The duration of owning the van, I argued with ally in regards to payments, mechanical issues. At the end, a former family member contacted Ally and acted like me on the phone.damn mother in law told them where the vehicle was at, the towing company came and removed it out of family driveway. When I contacted the towing company, it left the state. Shortly after, it was auctioned off. I explained to ally dont sell. Mechanical.issues. didn't wan na listen. 
I've tried disputing charges, get it removed and nothing. Ally insists I owe {$17000.00}. Not!!
Product: Credit reporting or other personal consumer reports

XXXX rejecting this response because : clearly my FCRA rights has been violated and compromised. Ive clearly outlined each violation this need to be deleted immediately. This was deleted and now added back on my trans Union consumer report again as of XX/XX/23 I want this deleted again permanently this has been deleted from XXXX and trans Union and Ive sent proof of this as well so this need to be deleted from TransUnion and XXXX as well. 
How is it one consumer reporting agency follow FCRA and the other does not??
Product: Mortgage

I applied to LOAN DEPOT in California for a cash out refinance. I submitted all of the documents that were requested including social security numbers and credit checks. They proceeded on that basis. They went on to charge me {$370.00} for an appraisal. They offered a loan that subsequently they could not make work. It was an ARM that that subsequently went up in interest beyond my capability. I went to another lender and requested that LOAN DEPOT transfer my appraisal to the other lender. LOAN DEPOT has refused to transfer the appraisal. LOAN DEPOT tells me that it is not an FHA or VA loan and they are not required to transfer. I am left with no other alternative than to request a new appraisal from my new lender.
Product: Credit reporting or other personal consumer reports

Complaint regarding Capital One handling of my personal data, which was breached and misused. Despite the seriousness of this situation, capital one did not inform me of or provided the necessary details regarding the breach and the potential misuse of information. The lack of communication and transparency is unacceptable and has left me vulnerable due to their negligence in protecting my data and failing to provide prompt and sufficient notice to me as a consumed
Product: Credit reporting or other personal consumer reports

internet service provideXXXX XXXX  ceased supplying me service when they converted exclusively to XXXX on XX/XX/. they promised me that they will repair the problem and i, to maintain my 7 year seniority and to keep the peace, i paid them $ XXXX/month. but when it became obvious after several months that they can not or will not fix the issue, that's when i decided to cease paying them. they nevertheless filed a negative credit report with XXXX XXXX. not much - my debt is XXXX - but the negative credit report will hurt me, and i don't deserve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax on XX/XX/XXXX. I noticed three Fraudulent Inquiries on my Credit Report. 
They refused to help me at all. 

1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXXXXXX 3. XXXX XXXX on XX/XX/XXXX Please have these three inquiries removed immediately!
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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
Product: Mortgage

New refinance mortgage loan with XXXX XXXX and loan sold to Suntrust Bank 2 months ago. Typical phone wait time to Suntrust is about 30-40 minutes to speak with anyone at Suntrust regarding mortgage issues. I tried to setup a ACH mortgage payments to Suntrust and I got a denial letter and now I tried to pay online with ACH and unknown if payment was accepted by Suntrust. Suntrust is the worst mortgage lender for poor communications. CFPB please help me. 
Suntrust loan # XXXX. 
Thanks
Product: Mortgage

I have requested my PMI be removed from my account as my LTV is at about 75 % of the original appraisal. My mortgage company Lakeview Loan Servicing or XXXX XXXX asked me to pay for a new appraisal, for which I paid them {$420.00}. They then sent me a letter saying an appraisal cost XXXX and in needed to send them more money at which time they would determine again if that was enough money. I have asked for an explaination as to why the appraisal cost is so high. No body can answer me. They just say they will submit a request to the PMI removal department, which by the way has no phone number. They give me a date for when it will be recalculated by the first date was supposed to be complete in late XXXX. When I did not hear anything from them by Mid-XXXX I called them again and they said they would do the same thing as nothing had been done so far and this time it would be completed the XX/XX/XXXX. I call the XX/XX/XXXX and they said it would be completed that night and to call back in the morning. I called back the XXXX and they put me on hold then hung up on me. I called back an hour later and they told me they would put in a request for someone in the PMI removal department to call me. It is now theXX/XX/XXXX and I have not heard anything back. They sent me a letter saying if I did not submit the additional {$620.00} within 45 days they will refund the money and I would have to start all over.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report, which is unauthorized and inaccurate. Upon reviewing my credit report, I noticed this unauthorized inquiry : XXXX - XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Illigally opened Credit Disputes that I didnt authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize these inquiries nor did i authorize any of these corporations to run my credit XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX