23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received my full credit report as of XX/XX/XXXX, I notice inconsistent reporting regarding a late payment on all three credit reports. 

XXXX : XXXX XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account being open XX/XX/XXXX XXXX : XXXX account XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account opening XX/XX/XXXX Transunion : XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with being open XX/XX/XXXX I will provide screenshots of the inconsistent reporting showing on my reports, Prior to my review of my credit report I informed the credit company that I have been injured at work which my income as been placed on hold due to not being able to work due to the injury which is reason for missed payment, I asked for options of hardship to avoid the negative reporting I was advised no process in place for this type of issue I was informed to get the payment in as soon as possible, I was advised the payments will still be reported, Reviewing my reports it shows the reporting of this late payment is inconsistent between the three reports. I am aware all reporting has to correct and accurate at all times
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.Here is the item I am asking you to verify as accurate. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Student loan

Navient has repeatedly defaulted my income base repayments to full 10 year payoff payments without interacting with me causing sudden dramatic rises in my monthly payments. I have asked them to return me to income based repayment and submitted proper documentation only to be told over the phone that my submission was too near the payment date to go through and that I would have to take a monthly forbearance. I have been told that there is no way I can achieve a lower interest rate unless I consolidate with another servicer. To service the interest on my loans without paying down the principle it is approximately {$1600.00} a month. Every month I 've had to take a forbearance on has increased my principle by over {$1600.00}. When I have inquired to which option makes the most sense for my economic situation I receive a list of the options and the benefits of each, but no answer as to which program would be in my best interest. As a result of this debt burden from the interest alone I am finding myself in a position that makes it impossible for me to accumulate necessary capital to start a XXXX to try and pay down my debt, and I can not service the full amount to pay down the debt in conjunction with mortgage payments and savings for retirement into my XXXX or IRA. 

When I received my loans I was told that I would be a XXXX and that I would be able to achieve a salary capable of paying down my principle and lead a great quality of life. The interest rates were downplayed and refinancing was stated to be an option. What nobody told me was that refinancing to a lower interest rate would remove my federal government protections such as forbearance. Now I am in a position where I need to either finance my {$300000.00} of student loans between XXXX and XXXX at an average interest rate of 7.2 % or change to a private loan servicing agency and lose all of my federal protection, potentially destroying my credit and any ability to eliminate my debt. 

I attended XXXX. I was told during orientation on the first day that my education would provide me an income which would service my loans. I can not afford to pay down the principle of my loans as a XXXX.
Product: Mortgage

I have tried for years to get Wells Fargo Mortgage to help me. 
I have had and paid there different law firms to help me. 
In was wrongfully denied a loan modification and believe that I was a victim of the computer glitch, because I have a good income my wife and I. 
We are very hard working people and we need and want to keep our home. Wells Fargo has been so very hard on us and refuse to work with us. 
They just rushed us off the phone or sent us a denial letter telling us they can not help us save our home there are no more options for us. 

We know that we were wrongfully denied and the attorneys basically robbed us.
Product: Debt collection

I called CBC LLC and asked them to verify this debt from 2 years ago. The lady on the case told me she would try get a letter sent out to my address. 2 weeks went by and I recieved nothing. I called them back and asked where the letter was, she told me the debt is to old and dont have anything to send me. I told her that didnt make sense and she told me she would have her manager call the XXXX XXXX company and have the send me the verification but she told me they might now since it was so old. She also told me to dispute the debt on my credit report. XXXX  removed it XXXX  did not and told me it is my debt and its been verified.
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the accuracy of the information reported on my credit report, specifically regarding account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, Acct : XXXX. As I was reviewing my credit report I noticed on XX/XX/year> a XXXX late of which I am never late on the payment ( s ). So I called XXXX XXXX to remove it and they have not removed it yet. I called back and spoke with a supervisor by the name of XXXX in customer service and she directed me to sXXXX as she has exhausted all her efforts to help me. 
I believe the information violates my rights under the Fair Credit Reporting Act, specifically 15 USC 1681e and 15 USC 1681i ( a ) ( XXXX ). According to these regulations, all information provided by credit reporting agencies must be XXXX  % accurate across all the reporting agencies. 
I request the XXXX be removed and reflect paid on time. 
Please investigate this matter and provide me with the results of your investigation reflecting payments and statements of your investigation within XXXX days which is required by law.
Product: Prepaid card

Got an Equifax data breach settlement amount for {$22.00} on XX/XX/XXXX. 

Tried everyday, multiple times a day to access the funds through their website at XXXX and it always comes back with an error. 

Called the center multiple times, but always goes to a pre-recorded message before hanging up. No response from the XXXX site and no help from equifax either
Product: Debt collection

For over a year now I have attempted to get XXXX XXXX to update my insurance in their system so that insurance can pay this bill. I have spent countless hours on the phone with XXXX making sure health insurance information is correct with XXXX, and each time I am assured that it has been corrected. Despite all of my time consuming efforts, XXXX has not updated the insurance information, so they are saying that I owe {$1000.00} for lab work. My insurance, XXXX XXXX ALWAYS pays for my lab work. It is covered under my plan. The reason it is being rejected is because XXXX is giving them incorrect insurance information. Now, I have received a bill from a debt collector and my original bill is not available on my XXXX patient portal. I can not contact XXXXt oXXXX XXXX  because I don't have the original bill. I receive my bills via email and the links to the bill are no longer active. I have no way to correct this. Worse yet, I can not get my XXXX XXXX at any XXXX lab because they incorrectly say that I owe this amount. I have XXXX XXXXXXXX XXXX and need to have regular XXXX done. This is not only an issue of unfair billing, but also it is putting my health in jeopardy.
Product: Credit reporting or other personal consumer reports

I've sent letters but all 3 bureaus have not corrected addresses and employer information.
Product: Credit reporting or other personal consumer reports

The account number, high balance, payment history, account status, and other data from my XXXXXXXX XXXX XXXXXXXX account is inaccurate and different on all 3 credit bureau reports. XXXX has failed to provide documentation of sufficient investigation or to remove the inaccurate information.
Product: Mortgage

Entered into a repayment agreement with initial down payment of {$2000.00} made XX/XX/XXXX. Received no written documentation of verbally agreed upon plan. Missed two payments on plan due to XXXX treatment of husband, but company continued to accept payment of verbally agreed upon plan. Initially spoke with XXXX on XX/XX/XXXX. He advised XXXX in loss mitigation was my assigned representative, but her hours were only XXXX Mon-Fri. Finally spoke with XXXX and went over entire payment history for the past 18 months. Per bank statements, we concluded the verbally agreed upon payments of {$1100.00} were not made for XX/XX/XXXX and XX/XX/XXXX, which would have left the remaining balance of the plan to be {$2300.00}. XXXX with Statebridge insisted the total amount due at the end of plan was {$3700.00}, but was unable to explain why. Statebridge had established an escrow account, although proof of insurance was provided to third party company XXXX as soon as they received knowledge of lapse of insurance. Even still, Statebridge is charging insurance via an escrow account. We went to pay XXXX property taxes, however Statebridge had already made the payment, even though they were not yet due. It was requested that Statebridge extend the existing plan and XXXX stated that would require management approval. We never received a response from XXXX or her management regarding our request for clarification of total amount due and extension of plan. Moving forward, Statebridge refused to accept payment on the account. My husband recently had an XXXX  XXXX to remove a new XXXX XXXX XXXX XXXX XXXXXXXX. Naturally, my energy has been spent caring for him. Additional financial hardship was experienced due to the global pandemic, as we cared for our grandson while he was recovering from XXXX. We recently received a letter from XXXX XXXX XXXX XXXX located in XXXX XXXX, Georgia and a letter of notice of hearing regarding foreclosure action on XX/XX/XXXX. We have made several attempts to get in touch with Statebridge via telephone to only be left on hold for hours at a time, and then disconnected due to service issues, with no one ever answering the phone or returning our calls. Information found on website is sorely lacking, leaving us bewildered to resolution.
Product: Mortgage

On or about XX/XX/2018 I initiated contact with Freedom Mortgage to start a deed-in-lieu on my home in upstate NY after dealing with over 20 different property managers who stole from me and abuse their licenses to include repeated bad tenants. The last tenant pushed me over the edge of pursuing a deed-in-lieu. After months of submitting paperwork over and over finally I found a realtor that was able to get a potential buyer. This DIL process was changed to a Short Sale that has take up a lot of time due to misplaced paperwork and the bank attempting to rush me into a foreclosure that would ruin my military career. Needless to say I am still in the process of a short sale with Freedom Mortgage underwriting department while the regular customer service department is totally disconnected from what has been occurring with my account ( XXXX ). For the last eleven months my account has been in a default status due to the pending DIL or short sale. The bank told me several times that my account status would not be reported as delinquent to the credit bureaus since I am protected under XXXX until recently they they were made aware of the short sale. It is my assumption that Freedom Mortgage is trying to negatively impact my credit score and status twice since the short sale will decrease my credit score on top of the previously reported delinquent status reported for XXXX through XXXX with the month of XXXX reversed. I have called over 100 times and was told something different each time. From we are reversing the process to we cant reverse the process.
Product: Payday loan, title loan, or personal loan

I pulled my credit report from XXXX XXXX and an unauthorized entry from PLAZA SERVICES collecting on behalf of, XXXX XXXX  XXXX in the amount of {$1300.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2020. PLAZA SERVICES has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 and no response. Due to the lack of communication, I then contacting XXXX XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Product: Bank account or service

My father died XX/XX/XXXX. I am his sole heir. He had given a power of attorney to a friend who helped him manage his affairs. XX/XX/XXXX, that friend received a letter from Santander Bank stating that my father 's bank account had been inactive for more than three years and that the bank would have to remit the funds in the account to the Massachusetts Treasurer 's Abandoned Property Department unless the bank was contacted. The friend forwarded the letter to me. I called the bank 's customer service number and was instructed to mail to the bank 's " fulfillment department '' my father 's death certificate and an affidavit stating I was the sole heir. I mailed those items on XX/XX/XXXX and have followed up that mailing with XXXX faxes of the same material. The bank will not acknowledge the correspondence. I have called the bank 's service center each time before sending a fax. The service representatives state that they do not have a phone number for the " Fulfillment Department ''.
Product: Credit card or prepaid card

Used postal mail to correspond about an investigation even though I signed up for electronic correspondence. NEVER received the mail and was only made aware of the situation when I was emailed. Told even though I didnt receive the postal mail still held liable for missed payments I was unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I signed up for this credit card at least a year ago with autopay enabled to pay off statement balance when due. Unfortunately when I checked the account today it was past due, despite no action on my part. Apparently Bank of America deleted any trace of my external XXXX checking account for bill payment, without my consent or any notification. I strongly suspect that Bank of America is attempting to collect late fees fraudulently or seek retribution for the closing of my checking account at BoA. I am reconsidering my yearslong credit card lines at Bank of America in light of this act.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent via wire transfer {$25000.00} to pay down my mortgage with XXXX XXXX XXXX XXXX XXXX. It was XXXX XXXX  and before I sent the wire I googled wire instructions for this above named Company. Instructions I recieved were to send to routing XXXX account XXXX Fifth Third Bank national association. On the next day I called my company to be sure they recieved the wire and they said no and went over transfer details with me and at that time I was told they do not bank with fifth third bank NA rather I should XXXX my payment to XXXX XXXX Its been over two weeks and XXXX XXXX has not recived a reply from Fifth Third and Fifth Third will not speak to me because they say I am not thier customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my XXXX credit report and have found a couple of unauthorized inquires I would like removed ASAP. I respect accurate reporting and need these inquiries removed per FCRA standards. 

Inquiries to remove are as follows : XXXX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX got new insurance and they have a record of an at faulty accident against my driving record I have never had an accident. I am unaware of any information where this was suppose to happen or what was involved in this accident. Where did LexisNexis get this information my insurance agent XXXX XXXX XXXX does not have any record of this accident involving me, my Husband XXXX XXXX May have been involved in this accident I was not driving nor was I in the vehicle when this was suppose to have happened on XXXX XXXX XXXX reporting agency is XXXX./LexisNexis. My Birthdate is XX/XX/XXXX. I want this removed from my records. I have not been involved in any accident either at fault or not at fault. My phone number is XXXX if more information is needed you may also contact my agent drivers license number Ohio XXXX. Please resolve this problem. My new insurance is XXXX XXXX.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertise promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my XXXX and Transunion, XXXX credit reporting agency, this account of XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXXXXXX BANKInquired XXXX, XXXX Inquired XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES
Product: Debt collection

I received an email from a collections agency called Aldous & Associates that there was a debt outstanding of {$130.00} from a debt I owed from XXXX XXXX. On XX/XX/2023 there was a collection item listed by Aldous & Associates from XXXX XXXX as the original creditor. I never gave XXXX XXXX my social security number or my date of birth. I am perplexed on how the collection agency obtained my personal information to report a collection item on my credit report. My claim is that the Aldus & Associates illegally obtained my personal information through identity theft to report an item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I contacted Equifax and requested that Equifax block a fraudulent account from XXXX XXXX XXXX pursuant to the section 605B of the FCRA. I attached an identity theft report naming the fraudulent account and a copy of my identification with my request. 

On XX/XX/18, Equifax denied my request to block the fraudulent account without a specified reason or good cause.
Product: Mortgage

1. I financed a manufactured home through Land Home XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Il XXXX. I borrowed {$180000.00} to do so as a construction loan. 
2. XXXX XXXX charged me interest on a {$210000.00} loan balance from XX/XX/XXXX through XX/XX/2022. XXXX XXXX had approved me for a {$210000.00} loan, but I did not require that amount. I used about {$180000.00}. However, they charged me interest on the full amount until the loan was recast on XX/XX/2022. 
3. XXXX XXXX was to impound insurance and property taxes on said HOUSE as a stipulation of the loan. 
4. The current escrow and loan do not reflect any Property Taxes on the HOUSE I financed.

5. The only property taxes XXXX XXXX impounded is on XXXX valued at {$25000.00}, which is {$370.00} annually. 
6. I own the land free and clear. 

I have contacted XXXX XXXX on many occasions to discuss the problems with the loan. Each time I talk to a representative and they tell me a different solution. I can not find anyone high up enough to solve my problems. They have sent me several letters which state the same exact thing as the first letter. 

The loan was not written correctly in the first place, and XXXX XXXX did not redraft the loan papers to fix the errors. Instead, they persist in charging excessive monthly escrow fees over and above the {$1600.00} needed annually for the escrow account. 

They are charging me {$410.00} per month. It should be about {$200.00} per month.
Product: Credit reporting or other personal consumer reports

My credit has taken a major hit due inaccurate information sent from XXXX XXXX XXXX. I had an account with XXXX since XXXX. My vehicle has been paid off and I have received the title. A few days ago, I received an alert on my Credit stating that I have a 30 day late showing from XXXX, XXXX  XXXX. It dropped my credit score almost XXXX points on all credit bureaus. Im in the middle of applying for a home equity loan and this have hurt my chances. I need over a XXXX credit score to be approved now my scores are XXXX. I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.