23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to Caliber Home Loans. I have everything set up for auto-pay, so I had no complaints for years. 

I sentan extra principal with my normal payment with a payment stub in XX/XX/2018. The stub indiciated that {$10000.00} was for pricinpal, and {$1300.00} was for the regular monthly payment. The lender applied the entire amount to principal on XX/XX/2018. I received a letter XXXX week saying that I did not send my monthly payment in. 

I called the lender the week I received the letter to inquire about the issue. The representative explained that they did not receive a payment stub and that the payment was applied to principal. I do not send checks by themselves in envelopes. I asked the representative to resolve the issue by applying XXXX to principal and XXXX to the regular payment on the original date. The representative put in a request to fix the issue. 

I checked the mortgage account on XX/XX/18 and noticed adjustments were made on XX/XX/18 and not backdated ( XX/XX/2018 ). Instead of resolving the issue, they took the same amount ( XXXX + XXXX ) plus the next monthly payment ( XXXX ) and applied it all to principal. So they made the situation worse. My account is now 2 months behind on payments even though they received addiitonal money. I called customer service and the representative has put in a second request to try to resolve the issue. I was told the turnaround is XX/XX/18 and it is possible the information will be reported to the credit agencies before they can resolve it. In addition, they applied a {$15.00} charge to my account on XX/XX/18 for no reason ( which was later reversed, but they did not communicate any information about this mysterious mistake charge ). 

I pay my mortgage on time and have never been late. This lender 's mistakes are at risk of damaging my credit.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by [ Creditor Name ] ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX XXXX XXXX. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Installment ( Auto Loan ) - Original Creditor : [ Creditor Name ] - Balance : {$16000.00} - Date Opened : XX/XX/year> - Payment Status : Collection/Chargeoff The issues with this account are as follows : 1. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. This continuous reporting is misleading and does not accurately reflect the true status of the debt.

2. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active.

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA.

I have previously disputed this matter with the credit bureaus ( TransUnion, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and  Transunion are reporting incorrectly that I am ( 120 ) plus days late on the XXXX account partial account number XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I went to try to purchase a car through a dealership I was told that they had in-house financing and that I would only have one hard inquiry after looking at my credit report they gave me three hard inquiries on the same day because they try to go through different lenders and I was not aware of that now I have three hard inquiries in which I did not approve of multiple lender to even place hard inquiries on my credit on the date of XX/XX/year>XXXX XXXX XXXX XXXX XXXX Ally financial XXXX XXXX XXXX
Product: Credit card or prepaid card

I called the company numerous times trying to have them remove the late payments. I have been making payments to them.
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I recently found that there are several unauthorized and fraudulent inquiries on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed it was showing a closed account from XXXX XXXX XXXX showing me as a authorized user on a credit card, I have never had, used, or possessed a XXXX XXXXXXXX credit card, I have never authorized anyone to add me to their credit card, and have never spoken to XXXX XXXX XXXX asking to be added as an authorized use.
Product: Consumer Loan

I filed for bankruptcy on XXXX 2014 and included everything debt that I had except for an auto loan I had with Navy Federal as I am the co-borrower on the account. I am still making on time payments on the account. Fast forward to this time, every credit bureau reports that the account is included in my bankruptcy which I and the attorney who filed did not include.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for verification of debts, and all 3 credit bureaus failed to verify my debts, and they have also failed to remove the items from my reports, and I have notified them they are in violation of the law. They refuse to do anything about it. I've sent each credit bureau numerous certified letters, with return receipt, outlining what accounts I was asking for verification on. They responded back, but they did not verify the debts or remove them.
Product: Debt collection

Nationwide Recovery cals my cell phone MULTIPLE times a day. Each time they call I explain that I am not able to pay the debt right now, and ask them to please stop calling as they are interrupting my day at work or with family, and causing me undue stress. They are relentless. They literally call me close to 10 times a day, every day, including weekends. This has been going on steady for the past 2 years.
Product: Credit card

This is a Best Buy CC serviced by CITI. 

I am trying to make a payment. When I tried to register online it said I had to call. When I call I am put through a verification process that ultimately fails. They say I will receive a notification which I never receive.

They will not accept a payment. Id like to pay the account off but they literally refuse to take my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Compass Bank inquiry from XX/XX/2017 2017
Product: Credit card

I am being charged late fees when my payments have NOT been late. This has been ongoing since XX/XX/year>. Every month has been charged a late fee and they are saying that my payments are a day late or late by 3 days if its a weekend due date. I have proof from my bank showing the day of funds delivery. Documents are attached
Product: Consumer Loan

I called today to get my pay off amount on XX/XX/2017 and was given {$8.00} pay off with a per diem of {$4.00}. When I reviewed my financial statements I noticed some discrepancies. When I asked for a ledger from AC Autopay I was informed that they do not provide that and that I can request a payment history via email. The payment history I received is still deficient approximately {$40.00} in payment accounting and the total amount financed is incorrect per the truth in lending statement signed by me and my husband. XX/XX/2017 and spoke with XXXX who stated the latest supervisor notes in my account were from you notating that the finance charge and amount were correct when loaded into the system. I requested that they research this further because in my original copies from XXXX and the XXXX agreements my records are showing {$9800.00} loan amount with a {$810.00} XXXX XXXX charge for a total amount financed of {$9000.00}. I have spoken with XXXX XXXX on XX/XX/2017 and he was going to research this further for me but in the converstation I had with him today XX/XX/2017 he stated that the finance charge of {$5400.00} was were the {$810.00} was deducted from and that he encouraged me to have someone take a look at my agreement. They changed my APR and total amount owed several times and the XXXX XXXX is continuously interjecting in my account without supervision. I feel she has a personal problem with us and continues to make trouble and do fraudulent activity on our account and I am unable to get anyone in a managerial position to look at her activities.
Product: Credit reporting or other personal consumer reports

My identity was stolen. Someone has used my m name, birthday, and social to open fraudulent accounts and inquiries. This is really affecting me to be able to get a home, a car, loans etc. I didnt give authorization to open the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2020, I applied for a loan with XXXX for a student loan refinance. The lender denied my application for the following reason : Your credit score : XXXX Date of score : XX/XX/2020Key factors that adversely affected your credit score : Lack of recent bank/national revolving information ( I have 2 XXXX  Credit Cards  on my credit ) Length of time accounts have been established Proportion of loan balances to loan amounts is too high ( My Credit usage is 1  % ) Serious delinquency ( None ) Per Experian member in addition to reviewing a copy of my Experian report, none of these negative factors are present on my credit report yet these negative factors are reported to lenders I have 2 national revolving credit cards from XXXX XXXX XXXX My length of credit history is 18  years Proportion of loan balances to loan is low. My Credit usage is 1  % I have no serious delinquency on my credit I contacted Experian and the customer service agent confirmed that none of these negative factors are on my credit report. Yet Experian did not offer any remedies to correct these discrepancies. Experian offered to send me another hard copy of my credit report which I already have. This discrepancy has impeded me from getting the refinance loan for which I applied. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never used any Alias.. They have incorrect names on my credit report ..Incorrect addresses on my credit report XXXX XXXX in XXXX XXXX XXXX incorrect.. I have have mailed in certified copies for these purposes including inquiries..
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX  XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate items on my credit report over a month ago and sent a dispute letter requesting the items be removed from my credit profile. Now it's been over 45 days and these items have not been removed nor have I been notified of the investigation
Product: Checking or savings account

On XX/XX/2022 I detect several withdrawals from my checking account from the company XXXX XXXX XXXX California, XXXX. These withdrawals was not authorized by me. I called Direct Express on XX/XX/2022 and put in a dispute claim with a representative ( claim # XXXX ). She stated she will pass the information to the dispute department and, that I will soon hear from them. I called Direct Express on XX/XX/2022, I spoke with a representative and she stated paper work regarding my dispute will be sent out to my address regarding this matter. On XX/XX/2022 I called Direct Express to notify them I have not heard nor received any paper work pertaining to the issue. I called Direct Express on XX/XX/2022 spoke with a representative, and I was advised to email a letter about the dispute charges to XXXX. The dates and amounts are the following XXXX {$37.00} XXXX {$43.00} XXXX {$18.00} XXXX {$34.00} XXXX {$22.00} XXXX {$22.00} XXXX {$22.00} XXXX {$29.00} XXXX {$27.00} XXXX {$26.00} XXXX {$37.00} XXXX {$24.00} XXXX {$23.00} XXXX {$27.00} XXXX {$26.00} XXXX {$7.00} XXXX {$31.00} XXXX {$30.00} XXXX {$31.00} XXXX {$31.00} XXXX {$31.00} XXXX {$29.00} XXXX {$26.00} On XX/XX/2022 I received mail from Direct Express Fraud Department dated XX/XX/2022 that the investigation has been completed and there weren't any findings of fraud. Upon receiving this letter I called Direct Express again to re-open the claim and I was informed that I couldn't re-open or file a new claim.
Product: Checking or savings account

Hello, I am submitting a complaint against Bank of America. This is regarding a XXXX XXXX and both my name and my husband 's name is on the account. 

I deposited XXXX checks simultaneously on XX/XX/XXXX, through online deposit. The majority of the checks since the account 's opening in begin XXXX have been deposited online. The XXXX checks were written by the same customer, and it was in exchange for painting services. The checks totalled {$10000.00}. 

The bank has decided to hold the checks for an investigation for XXXX  days, from XX/XX/XXXX to XX/XX/XXXX. This is the date that is reflected on the online banking. A representative I spoke with on the telephone on XX/XX/XXXX mentioned it could take up to 90 days. 

I called customer service twice on XX/XX/XXXX to talk about why the hold has been placed, and both times I had to wait about XXXX minutes before I was able to speak with somebody. The first customer representative I spoke with told me that he could not give any details about the hold. My husband went into the bank and was told the deposits were on hold for having a negative account balance. Online banking does not have a justification for the hold. 

The negative balance has been a direct result of hardships related to XXXX. The account currently has a negative balance of about - {$400.00}. In the past, it has gone down to about - {$2000.00}. The account experienced a negative balance only recently ( the past XXXXXXXX  months XXXX. Before that, the large majority of the time it had a positive balance. The negative balances have always been paid. The fees for the negative balances have always been paid. 

The account has never had a check deposited that resulted in it bouncing. Further, I have another account with Bank of America for over 15 years ; it has no history -- or if there exists a history it is very minimal -- of depositing checks that result in it bouncing. I have another business acount with Bank of America of about 3 years, also with no, or very minimal, history of depositing checks that result in it bouncing. 

We are running a XXXX, and we have XXXX  to pay. It is not only unreasonable to have to tell our workers to wait 11 days for their next paycheck, but it is embarassing. I can understand the investigation length if there was a history of bouncing checks ; but in this case, there is none. 

In a moment when the business is able to pull ahead of the XXXX hardships, I feel like Bank of America has pulled the business back and may potentially make the negative balance even worse. This is frustrating because we have the funds to cover upcoming costs -- we just can't access it.
Product: Checking or savings account

I closed my Citizens Bank account on XX/XX/2019. However, I just received notice from Citizens bank that they reopened my account ( without my authorization ), and processed two unauthorized debits ( {$16.00} to XXXX and {$14.00} to XXXX XXXX ) plus charged me an overdraft fee of {$35.00} for each. The total they are charging me on my closed account is {$130.00}! 
Note : The issue of the automated {$16.00} per month to XXXX, arranged by my wife who passed away in early XXXX, 2019, has already been reported to the CFPB separately. As for the {$14.00} to XXXX XXXX, my plan was cancelled as of XX/XX/2019, due to my moving out of state to CO. So, no debit should have been authorized, Besides, I no longer have an account with Citizens Bank! 
Please see my earlier complaint for more information so you can understand the history behind this and all the attempts I have made the past fews months to get issues with Citizens Bank resolved. These people have been impossible to deal with, no regard for me as a customer, let alone a Veteran and retired senior citizen.
Product: Credit card or prepaid card

Barclay 's Bank took over my XXXX XXXX XXXX XXXX DURING THE TRANSITION i STOPPED USING MY XXXX XXXX SOMEBODY USED MY ACCOUNT NUMBER ON XX/XX/2022 at XXXX  Stores in XXXX. 

there are charges on this card that are fraudulent, I want them removed and CANCEL THIS CARD. 

I CAN'T GET ANYONE ON THE PHONE WHO SPEAKS CLEAR ENGLISH I NEED HELP AND BARCLAY 'S BANK, XXXX  WILL NOT HELP ME.
Product: Credit card or prepaid card

On XX/XX/20, my Cash App card was used 4 times in the middle of the night at a place called XXXX XXXX XXXX in Ohio. I live in Virginia and did not make these purchases, I did not give my card or info to anyone else to make these purchases either. Immediately after noticing, I cancelled the card and ordered a new one. I also followed CashApp 's dispute process and disputed each charge. They refunded 2 of the charges, but denied the other XXXX. 

XXXX. XX/XX/20 @ XXXX am {$99.00} - refunded. 
XXXX. XX/XX/20 @ XXXX am {$58.00} - claim denied. 
XXXX. XX/XX/20 @ XXXX am {$38.00} - claim denied. 
XXXX. XX/XX/20 @ XXXX am {$67.00} - refunded. 

I don't understand why 2 of the charges were refunded, but not the other 2. I asked through the support chat and the only explanation I got is attached together with the following statement : We have received your request for documentation related to your dispute. 

Please find the attached documentation that Cash App relied on to determine the outcome of your dispute claim in case number : XXXX. 

Were unable to provide any additional support regarding this claim and no further action will be taken.
Product: Credit card

Dispute with XXXX XXXX  XXXX  billed on XX/XX/2023 for {$560.00} Amount not returned/refunded. 

Re-billed {$560.00} for a total of 4 times posted on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no knowledge of this, and the company acted without my approval.
Product: Debt collection

On XX/XX/XXXX. I sent this to aidvantage who is formerly known as XXXX Department of Education loan servicing. This was sent through XXXX certified mail and they had received the document return domestic card on XX/XX/XXXX. The XXXX tracking information is XXXX XXXX XXXX XXXX XXXX XXXX. Today is XX/XX/XXXX. This corporation has been practicing non compliance towards me. It is past due and I'm filing this compliant to show. I contacted them properly and they have failed to comply.
Product: Vehicle loan or lease

Several years ago I purchased a used vehicle through a car dealership and a finance company credit acceptance corporation and I surrendered the vehicle back to the finance company after having it for 1 month and I purchased the vehicle for {$3000.00} and and now the collection on my credit report says I {$7200.00} and it's stopping me from getting a home loan for me and my kids
Product: Credit card or prepaid card

I am XXXX XXXX XXXX. In XXXX of 2021, I was scheduled for XXXX XXXX XXXX. My doctor asked me to go to the XXXX for a check up beforehand for routine cleaning and X-rays. I did not have a XXXX, so I used a XXXX referral number and chose a location near where I live. When I went to the XXXX they had me fill out a lot of paperwork and they did procedures on me that I do not believe were necessary and which went far beyond what I had requested. They gave me an estimate for the work and had me sign off on it. As I was leaving, I asked them to send me a bill so I could pay them by check. I never received a bill from the XXXX. Some time later, I received a credit card from a company named CareCredit. I had never heard of CareCredit, so I believed I had been a victim of identity theft and called them several times to let them know I had not opened the account, but they did not get back to me. About a year later, I received a debt collection letter from a law firm claiming to represent Synchrony Bank which issued the credit card. I told them it was not my card and I had not applied for it. They did a fraud investigation and said it was my card and for the first time I learned that the XXXX had signed me up for the credit card without my knowledge or consent. I was never given the terms of the account before charges were made.