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

I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

XX/XX/XXXX XXXX XXXX was paid in full for a date of service XXXX. The hospital failed to bill the insurance. 

I have not received notice after the fact until I started checking my credit report along with multiple phone calls and emails with the latest being XXXX. 

I have repetitively sent in multiple times copies of receipts and bank statements showing the account was satisfied in full. 

The information has been removed from my credit reports numerous times only to have the collection company change names and re post. 

I consider all of this as a fraudulent and this needs to be permanently deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after June 20. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$1300.00}
Product: Mortgage

I am the owner of a coop my mother purchased in XX/XX/XXXX. The proprietary lease was transferred to my name in on XX/XX/XXXX. My mother, XXXX XXXX, passed away on XX/XX/XXXX. After my mothers death, I learned that the mortgage associated with the coop is not in my name. It was in my mothers name and my estranged uncles name, XXXX XXXX. 

Since my mothers passing, I have moved into the property tied to the mortgage and have made consistent monthly payments ( over {$4000.00} in XX/XX/XXXX alone ). I have made several attempts to contact PHH Mortgage Services regarding transferring the mortgage solely into my name as this is my property, primary residence, and a debt I am paying off. I provided all documents required to initiate the transfer including my mothers death certificate, my photo ID, certificate of title registered to my property, and court order transferring the property to me. 

Despite all this, PHH Mortgage Services refuses to speak with me as my name is not on the mortgage. To make matters worse, PHH removed my mothers name from the mortgage after I submitted her death certificate. The lien is now in my uncles name/social security number a person I am no longer in contact with and who has no link whatsoever to the property.
Product: Debt collection

This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still an issue within Santander Bank on credit card ending in XXXX that they ( bank ) are reporting to Experian. This are a matter that been in dispute since year XXXX when same account were charged from 2 different Banks, at the time XXXX XXXXXXXX XXXX and Santander ( previous XXXX XXXX ) that  became reach an amount of {$3100.00}!!! 

On XX/XX/XXXX XXXX XXXX, a representative of Santander sent a letter that say ( I do write the citation ) " In reviewing this matter, you opened a credit card with XXXX XXXX XXXX ( XXXX  ), which is an affiliate of XXXX XXXX XXXXXXXX ( XXXX ), in XXXX. The servicing of the credit card was transferred from XXXX to Santander in XXXX. As a result, any information on your credit report prior to XXXX would be the responsibility of XXXX and / or XXXX " 1 - I believe XXXX XXXX not aware what she did state, how could you be so affirmative of that when I have a Statement from XXXX XXXX, its the XX/XX/XXXX statement from the Bank, I do have more statements. 
2 - I do have the doc 's that XXXX sent Credit Card attached. its all genuine docs from Santander, XXXX XXXX. 
3 - I don't know about XXXX, XXXX XXXX XXXX, and SantandeXXXX ( previous XXXX ) are what appear claiming money on Credit Report. 
4 - Your letter that state like " Santander wash its hands on this " well, not so fast. do you really think I were so XXXX throw lies to the air without proves? No, I'm not so easy, not at all!!! 
5 - XXXX XXXX don't say what you may think would be more easy for you, or I may ask, are you trying divert things without being doing the correct thing? 
6 - I do have a original doc dated XXXX, XXXX that state " 3 Payments Past Due ''. This statement are what should be appear on XXXX  Credit Report, its the fair Report to do before you come always within the usual stand " The credit card was charged off on XX/XX/XXXX and the debt paid off on XX/XX/XXXX. 
What XXXX in perfect mind would paid same account to 2 different Banks? ANY out there? 
I did paid when things were clear, I believe so many out there would not care. 

Honestly, I care how much this could affect the Bank reputation, I believe I had been sweet until now, BUT, I will always come with more proves if in any moment I felt there lack of interest to solve this ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Self lender in effort to correct Credit, the self lender representative states you were having trouble? then ask if I could verify my Birthdate and SSC number XXXX gave her the info, she said you had a previously, had an Email here but XXXX said that u were like XXXX yrs old and, and she had my SSC # she went on to say there was a previous balance, did I want to pay the amount now and then it could be cleared up! To start a the devices rendered, I responded why would I pay for a service that Ive never had with the particular company as of yet! She says Aww! yeah that is right so right now until this is cleared up I still dont have the service that was sought after intially!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX  Account # XXXX and XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

2 Accounts Navy Federal Credit Union that's reporting closed I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Debt collection

As of XX/XX/2019 I noticed a collection Avante USA for XXXX services of Kansas. I have no knowledge of this debt, as I was living in Texas at the time it showed up on my credit report and I have received no letters of correspondence about it.
Product: Debt collection

On XX/XX/year>, I entered into a consumer credit sale with XXXX, XXXX for the purchase of a XXXX XXXX XXXX. At some time after the sale, some third-party name Bridgecrest began XXXX itself as the creditor of the loan. After sending several correspondences to Bridgecrest to determine their involvement in this credit sale, I have been left with no answers. Bridgecrest has made claims it services the contract but is aloof in saying it is the servicer for XXXX, XXXX ( the listed lien holder ) of the vehicle. Pursuant to the UCC, I requested a full statement of account from XXXX, XXXX who failed to respond, which constitutes a breach of the agreement, as well as a statutory violation. My research has shown that XXXX XXXX XXXX regularly sells its rights in retail installment contracts through a series of purchase agreements and those agreements get securitized in a XXXX XXXX. Upon information and belief, consumer feels this is the case here and a series of transfers has happened, and XXXX, XXXX and Bridgecrest have been materially misrepresenting themselves as creditors and lien holders confusing the consumer, as well as preventing him for making informed decisions about his alleged obligation. Furthermore, the agreement is unfair and one sided with a finance charge almost as large as the amount financed.
Product: Mortgage

In mid-XXXX I started communicating with Wells Fargo, my mortgage lender after reading about programs to assist with mortgage payments ( etc. ) .I did not wish to enter into a forbearance program but offered, instead to continue making payments towards accrued interest and ( tax and Insurance ) escrows and commencing with the XX/XX/XXXX payment.My only option ( because telephone prompts would not connect me to a " Live '' person ) was thru e-mail.I did not get any response so I made the full XXXX payment ( P & I plus escrow ) .I followed up with a second e-mail explaining that I was not interested in forbearance ( This appeared to be the only " Automatic '' option on line ) because I did not want to be responsible ( In the end ) for accrued, accumulated or compounded interest.I stated that this was a win-win for the bank since my mortgage was less than 50 % loan to value. In mid XXXX I got my first response.It was a " FORM '' LETTER RESPONSE STATING I WAS APPROVED FOR FORBEARANCE .Another e-mail from me plus two frustrating telephone calls and several attempts to resolve the issue thru my on-line account .To date I have received three e-mail responses, each with a different correspondent.But in each case the same " form '' letter.I have begged not to get any more form letters and asked that someone actually read what I have written.Here is my complaint.It is now one month following my initial request! in 15 days my next payment is due ... except they have told me that I am in forbearance ... Something I DID NOT REQUEST. As of this time I have only Social Security benefits and would have a serious hardship to make a full mortgage payment ( {$2100.00} ) .but I can not get to speak with any one in charge or with authority .There is no mechanism, on line, to pay any thing but the full amount. If I pay nothing, they ( Wells Fargo ) will assume I have accepted FORBEARANCE ( which I never  requested ) .Try getting through to Wells Fargo!!! It is impossible!!
Product: Credit card

In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was approved for a credit line of {$1600.00}. I did get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, I was fitted for some partials. When my partials came in, I went back into the office to retrieve them. I noticed the partials didn't fit my mouth the way they should, and it had some discoloration to the upper part. So when I smile, you can see that. The dentist stated she would send them back to get adjusted, as well as make sure they're cleaned up properly. Weeks, months went on, I never heard from them. Meanwhile, I was paying towards my balance. I called the office to find out what's going on with my partials, and I kept getting the run arounds. One lady stated to me that the dentist gave me the partials and was suppose to call me back to get them so she could send them in, which didn't make since. I've called the credit card company over 100 times trying to cancel my order, I've emailed the dentist corporate office asking to cancel my order. This has been an ongoing situation for years, and no one is helping me. My date reported on my credit report has changed to XX/XX/XXXX, when this has been on my credit for about a year now, so I don't understand how that can change. Also, the amount was owed went from {$1400.00} or something like that to {$1900.00}. I have recording of the young lady stating that the dentist did not send off for a new partial. No one from the credit card company is willing to contact me to hear this. Still to this day, I do not have my partial.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of my credit report and the multiple, unsuccessful attempts to correct inaccurate information related to late open account, and removal of the charge-offs, and late closed accounts. It has come to my attention that despite repeated efforts, these issues persist on my credit report, adversely affecting my creditworthiness and financial standing. 

On multiple occasions, I have submitted requests to correct inaccuracies related to late open accounts on my credit report. However, these corrections have not been reflected, and the incorrect information remains, impacting my credit score negatively.

I have also noticed inaccuracies regarding charge-offs on my credit report. Despite providing documentation to support the resolution of these accounts, the charge-off status persists, and I have observed no improvement in the reporting. 

Furthermore, attempts to rectify inaccuracies regarding late closed accounts have been unsuccessful. The persistence of this misinformation is not only frustrating but also detrimental to my financial standing. 

I kindly request a thorough and immediate investigation into these matters. Additionally, I expect timely updates on the progress of the investigation, including any actions taken to correct the inaccuracies on my credit report. 

To aid in your investigation, I have attached supporting documentation. I am asking for your assistance to correct these late open account and remove the charge off and late closed in my credit file : XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$11000.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

I HAVE REQUEST 3 TIME FOR REMOVAL OF CREDIT FREEZE FROM EQUIFAX
Product: Credit card or prepaid card

I was incarcerated and someone had my phone along with all my accounts in their possession. I filed a police report and Venmo is stating that since some transactions occurred more than 180 days ago there's nothing they can do and they suspended my account and I have a balance of XXXX dollars in there that im unable to use
Product: Credit card

Club card ending in XXXX, Amazon Store card ending in XXXX, and HSN card ending in XXXX, PayPal as well as my JC Penney and TJ Maxx cards ) due to repeated credit limit reductions. These reductions occurred despite a record of 100 % on-time payments and strong account standing. This practice has resulted in higher credit utilization, negatively impacting my credit score, despite my responsible credit behavior. During the call, I expressed that these credit limit reductions seemed unfair, especially as they were based on factors not communicated to me, and despite my maintaining a perfect payment record. After my call, Synchrony placed an unauthorized statement on my credit report without my consent or prior notification. Over the past six months, my credit limits have been lowered three times, leading to increased credit utilization that has caused my XXXX score to drop. I believe these actions are unfair and potentially discriminatory, as Synchrony Bank has taken these actions without regard for my consistent, on-time payments and responsible credit usage. I request that my original credit limits be reinstated and the unauthorized statement removed from my credit report.
Product: Student loan

For more than the fourth time in two years Navient has miss allocated funds sent to them, I have done everything they have asked, ( separate checks for private and federal loans, different envelopes and billing addresses for the XXXX, letter with payment on how funds should be allocated, nothing works. Basiclly submitting this as a lasts resort to a lawsuit. 
This is a yearly complaint, i am at my whits end, why pay on time if there just going to mess it up?
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to know what is taking Equifax so long to respond to the complaint I filed against them on XX/XX/XXXX. Complaint # XXXX. Equifax went on record an said they had information from the original creditor that validated the debt between me and XXXX XXXX XXXX. If they already have this information and had it prior to XX/XX/XXXX like they claim then why is it taking them so long to present it? They say they already have it and have had it since XX/XX/XXXX ( See Equifax dispute 3 ). They went on record on XX/XX/XXXX and said they had evidence from the original creditor that validated this debt. The evidence on that document does not validate the debt and they said they had received additional evidence from the original creditor that validated what XXXX was claiming. If they have this information already why is it taking them so long to present it. There is nothing for them to investigate. They already said they have the information so they dont have to investigate what they already claim to have. This should be simple for them. If they have what they claim too have then upload it in the next couple of days and prove what they say. Why is it taking them so long to present evidence they claim to already have. Read the document. I say they are lying and dont have any such evidence or they would have already uploaded it. I want to see this alleged evidence. I have a right to see it. if they have it show it immediately. They say they are investigating. What is their to investigate? They already have the documents according to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to place a freeze on my Equifax credit report and it is already frozen. 
Hacker with my info froze my report and now are the only ones that can unfreeze it with 10 digit number. 
They can unfreeze for a day, buy a boat and refreeze it. 
I no longer have any control over my credit.
Product: Money transfer, virtual currency, or money service

On Thursday XXXX I requested a wire transfer of {$50000.00} from my savings account at SoFi bank to my brothers account at an external bank. 
XXXX was unable to process the request. 
On Friday XXXX I tried to make the same request numerous times and received the same error. 
On Friday XXXX  I chatted with and spoke with customer service and was advised there was a technical issue. After trying numerous adjustments to the transaction ( eg using web instead of app portal ) XXXX was still unable to process the request. I asked for alternative timely solutions and none were provided. I was advised I needed to wait XXXX for technical staff to address the issue. 
On Monday XXXX I tried yet again and still the same problem. I chatted extensively with customer support and tried additional work arounds including moving the funds to my checking account and trying to transfer from there. I was again offered no timely solution and was told technical support was still working on the issue. 
On Monday XXXX I offered alternative solutions to XXXX including manual transfer or sending on my behalf and deducting the funds from my account or freezing it. XXXX was unable or unwilling to do anything timely to resolve the issue. It was suggested that XXXX has no ability to provide a workaround possibly because this is a new self service platform. I begged for a workaround and was dismissed. 

I find it completely unacceptable that a bank can advertise/offer such a service and due to an internal technical issue it is unusable for days without any effort at providing a reasonable timely alternative. This XXXX have cost my brother and his family their home purchase transaction and has definitely caused emotional pain and suffering. In addition, the inability to resolve such a basic problem in a timely fashion makes me concerned XXXX XXXX not even have my funds available.