23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I asked Flagstar in late XX/XX/XXXX before they referred the matter to their attorney 's office if there was any issues and their call center rep. advised as long as I paid it I can disregard their notices. I advised that I kept my money order receipts. In XX/XX/XXXX I got a letter from Flagstar 's attorney 's office, XXXX XXXX of XXXX XXXX, KS, advising of an intent to foreclose. After speaking with a different Flagstar rep. I discovered money order missing and not applied. I had to send some money orders TWICE because they returned the money orders back to me stating the account is past due so they can not accept my payment. I believe this was done to intentionally make it difficult to get out of foreclosure status. The only problem with that foolish explanation is ; how is anyone to pay you money they owe if you send it back? Payments made after these actions have been applied and accepted UNTIL RECENTLY. Flagstar currently has {$1300.00} of money order in their possession that have not applied, nor returned, nor sent to their attorney 's office for my account to be credited. Only when I called Flagstar on XX/XX/2018 did a supervisor finally advise they can't take my payments because it's been referred to their attorney 's office. He refused to comment on what happened to my {$1300.00}, or where to send my payment. I do have the funds to get out of foreclosure ; however, Flagstar seems to be INTENTIONALLY making it difficult. AND there is still the issue of the missing {$1300.00}. I suspect Flagstar is making it difficult because the loan is only {$61000.00} but the equity of the home has brought the value to {$85000.00}. Regardless of the value, it's unfair to consumers to give them the run around, take their money and not apply money after the company has taken it. Furthermore, because of Flagstar 's inconsistency in taking and applying payments I have had to certify mail things at my own expense only for Flagstar to not apply payments AND not return the money.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : IDTheftReportXXXX  REMAINING ITEMS TO DISPUTE : XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX XXXXXXXX - Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX - XXXX XXXX XXXX IN XX/XX/year> XXXX XXXX IN XX/XX/year> XXXX XXXX XXXX XX/XX/year>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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file that is erroneous. This debt has been paid, and they continue to report this debt and ding my credit. It is absolutely absurd that they continue to hurt my credit, even when it has been paid. I am requesting that they they fix this issue as I no longer owe this debt.
Product: Checking or savings account

On XX/XX/XXXX of this year I was due to check into a hotel and my reservation was not honored. I attempted to contact the hotel involved to process a refund but they would not communicate with me so I filed a dispute with b of a. When I did so I was told that I was not eligible for provisional credit at that time or at any time. It has now been 28 days and Bank of America states only that they have contacted the merchant and are waiting for a response. The merchant stated they have approved the refund with b of a. Apparently for any dispute I file I am not eligible for provisional credit according to b of a. This charge was {$380.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account on my credit report have not been updated since XXXX. When I call credit one they blame the problem on Equifax. When I call Equifax they blame it on XXXX XXXX stating that they have not updated there my informations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit report it has been well over 30 days
Product: Credit card or prepaid card

I have a Wayfair XXXX and pay on time or before my due date every month. Recently I was ill - thinking I had paid the CC but did not finish with submit. I was 7 days late but not over 30. They immediately reduced my line of credit by a very large amount and placed it at the amount I owe, making it 100 % max use. I received a letter stating it was because lack of credit history. I have 13 years with great payment and balance. 
I inquired about them to increase it again and received a rejection based on mortgage payments are delinquent - I dont have a mortgage, I paid that in full in 2020. 
So now they have reduced my line making my balance hit 100 % and did a hard inquiry, all to give me false reasons.
Product: Payday loan, title loan, or personal loan

Rise claims that I inquired them. They are payday loans and that is against my religious values. I never inquired as they claimed. Perhaps once when I didn't know what they were but not more than once. They claim I do it all the time. This feels like a way to destroy my credit report so that I have to rely on them, which is very disheartening.
Product: Debt collection

Merchants Credit Association has not properly informed me of debt owed, documentation of debt, or right to dispute debt. I received phone calls from Merchants Credit Association beginning on XX/XX/2023. I did not receive any voicemails, nor did I receive any written or email correspondence about debt owed. After several missed calls over several days, I gave Merchants Credit Association a call back on XX/XX/2023 and requested that they send me documentation in writing to my current address. I have not yet received this documentation. They tried to pressure me on the recorded phone line to say how I was going to pay the debt without providing me any information on the debt. 

As it turns out, I need to dispute the debt because I do not owe the debt. I was never informed of the amount owed that XXXX XXXX has claimed that I owed them and I was not given proper notice via any form of correspondence other than my student email address, which I did not use at the time as I was not taking courses there. I have submitted a petition through XXXX XXXX to have the erroneous charges dismissed.
Product: Credit card or prepaid card

Had this card for over a year with excellent payment history. After 1 missed payment due to a financial hardship they closed my account. They will not work with me in any way to get back on track. I do not understand how after 1 missed payment an account can be closed. And the amount of late fees are catching up to the credit line. How can any one ever catch back up. I was a very loyal customer who always paid on time and more than the minimum due. You have caused sever damage to my credit history.
Product: Money transfer, virtual currency, or money service

Try to link my bank account but it says I can not link it because PNC won't let me
Product: Debt collection

I noticed a collection on my credit report in the amount of {$440.00} for XXXX XXXX, collection agency is Jefferson capital system. I do not owe this debt nor have any clue why it is on there so I disputed it on XX/XX/year>. Dispute investigation came back complete on XX/XX/year> stating that the information is accurate and is still on my credit showing as a collection. I have tried to get information mailed to me showing me what this debt is for and proof that it is valid and can not get any further information and would like this taken care of and removed because it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened an account with XXXX XXXX in XXXX the account was closed. Its now XXXX and Ive tried to have the account removed from Equifax they stated they cant remove the account even though its well over 7 years. I called XXXX XXXX and they cant even find me because the account is so old. This information only exist on Equifax and not the other credit reporting companys. I want it removed from my account its well over the statue of 7 years and they refuse to remove it. I disputed it a few times. XXXX XXXX said they cant even write a letter to Equifax because my account doesnt exist anymore. Same with the XXXX on my credit report with Equifax. Account doesnt exist anymore since XXXX.
Product: Student loan

I went to school for XXXX at XXXX in XXXX 2010 and got an privte loan from gensis equaling XXXX my course cost at the time XXXX learned that they had been sued at I did not recevie, money for over payment the class that graudteed after me, recevied an reduction in tuttions payed, XXXX
Product: Credit reporting

I call credit bureau to dispute acct that 's on my file that 's not mine acct XXXX XXXX, and XXXX And XXXX, XXXX XXXX and the repasentive told me that he was n't gon na file a dispute for these items his name was XXXX I told him I have had identity theft on my file he refused to file a report I was told I need to deal with creditor on my own I do n't think it was fair.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXXXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I have been a customer of former Carecredit now Synchony bank for 6 years, I have never missed a payment and recently paid my balance off in fulll. The next month they closed my account. No explanation. I have recently paid off my car and three credit card, my credit score has increased by XXXX points. This is a terrible company and they need to face legal consequences for their actions.
Product: Credit reporting or other personal consumer reports

I have never had any dealings with this property and am not responsible for any debts, leases, or other obligations associated with it. This incident has caused significant distress, and I am taking steps to rectify the situation, including disputing the fraudulent account with the relevant parties and credit bureaus.I request that this fraudulent lease be thoroughly investigated and that any records or credit reports related to this incident be corrected immediately. 
( Account number for equifax is, XXXX XXXX XXXX XXXX ) ( Accout number for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

XX/XX/20 VANCE AND HUFFMAN LLC I have never done business with nor did I have a written agreement to make any payment to them. The company is stating I owe them {$440.00}.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Dear Freedom Mortgage ; Office of President XXXX XXXX ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX ; and XXXX & XX/XX/XXXX late when I was hospitalized with XXXX. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being XXXX  with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
The credit inquiry is from CAPITAL ONE BANK US on the date XX/XX/XXXX. And it is on all three credit bureaus XXXX, XXXX and XXXX AT THE SAME TIME. So technically three inquiries. 
I am a dual XXXX -American citizen, have been outside the country working for the last 10 months ( and have solid proof of that ; Airline tickets, Passport stamps, employment records ). 
I have not applied for anything with CAPITAL ONE BANK USA, do not recognize their inquiries and in no way authorized them to pull my credit report. 
I have also reached out to them asking that they remove the inquiries from my credit profile, they have been no help, kept passing me around in their departments and occasionally hung up on me. 
There is no accountability or order in their company it seems. 
These credit inquiries are completely unauthorized and should be removed from my credit reports according to the Fair Credit Reporting Act.
Product: Debt collection

COMPANY CALLED XXXX XXXX XXXX XXXX HOLDS MY DEBT FROM XXXX XXXX XXXX THEY HAVE RECEIVED XXXX LETTERS FROM XXXX OF XXXX TO XXXX OF XXXX TRYING TO SETTLE THIS DEBT! 
THE SETTLEMENT OFFER WAS XXXX WHICH I AM STILL WILLING TO AGREE WITH AS LONG AS THEY RESPOND TO ME, ACCEPT THE OFFERING WRITING AS WELL AS PUT IN WRITING THAT ANY AND ALL INFORMATION PERTAINING TO THIS WILL BE REMOVED FROM ALL THREE CREDIT BUREAUS. 
THEY HAVE REPEATEDLY IGNORED ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous hard inquiries reporting on my credit report that may be that of someone else. I have written to all three credit agencies asking them to validate them but they have not done anything and these hard inquiries continue to destroy my credit. The only ones that I know of are a auto loan inquire from XXXX XXXX vi in XX/XX/XXXX, a hard inquire from XXXX XXXX XXXX XXXX, and one from XXXX XXXX XXXX XXXX and the rest are questionable. These are being reported by XXXX, Experian and XXXX.
Product: Debt or credit management

I havent been able to use the card as promised for the last XXXX.
Product: Debt collection

XXXX XXXX, 2017 - Received unwanted robo call from XXXX at XXXX:XXXX XXXX and I returned the call at XXXX The robo call says if we want to get a paid in full report, press 1, if we want to stop calls to this number press 2 and enter your number, or to speak to a customer service agent press 4. I did n't press a number, but then was connected to a representative representing " ERC '' who said that he was on a recorded line and asked me if I was " XXXX XXXX ''. I said no, how did they get my number? ... then the representative hung up on me.
I am registered with the National Do Not Call Registry. I would like the company to refund me the cost of wasting my time {$200.00} or the penalty under the Do Not Call Registry, at their option.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach and now there is stuff on my credit report tgat I did not approve
Product: Debt collection

Hello good afternoon to whom may concern My name is XXXX XXXX, today ( XX/XX/2023 ) I went in with a XXXX real estate, and the agent ran my credit to get a house. It appears that I have 1 bankruptcy and 1 debt collection which I am not concerned about at all and that I have never signed or applied at all. In my entire life, I had great credit and always made payments on time. Unfortunately, I can't get a house anymore until this bankruptcy and debt collection under my credit is fixed and clear. 
The bankruptcy that I do not recognize at all and have not signed is from XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX AMOUNT : APPROVAL : {$1500.00} The debt collection that I do not recognize at all and didn't sign anything for is from XXXX XXXX, DEBT COLLECTION, DATE XXXX ACCOUNT OPEN : XXXX AMOUNT : {$1200.00} I also do not recognize the address that comes on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For any further questions please reach me at XXXX XXXX XXXX XXXX BACKUP NUMBER : XXXX If you can please call me with someone who speaks XXXX thank you
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I will like to file a complaint against TransUnion credit reporting agency with CFPB to investigate I have a issue with Transunion credit reporting agency Violating my rights with reporting accounts incorrectly, I have tryed several times to fix the problem, These accounts cant verified because its reporting differently on each of my credit profiles I would like them deleted immediately, I will be providing documentation for proof, XXXX adv Fcu, Account XXXX XXXXXXXX, The account status, Date opened, Last active, and payment status is inaccurate, XXXX XXXX, Account XXXX XXXXXXXX, Date opened, Account Status, Payment status, Date last active, All inconsistent and inaccurate information, XXXXXXXX XXXX XXXXXXXX, same issue, XXXX XXXXXXXX XXXX XXXX XXXX This account was paid, Account status incorrect, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, information inconsistent and inaccurate, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, date opened, sold to and last active payment status all inconsistent and incorrect so how could any of this information been verified when its not the same, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate and wrong information and us bankruptcy XXXX XXXX XXXXXXXX, and Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX has been proven its not mine linked to wrong person will be providing documents proving this information I have spent so much time and money on this inaccurate information and just want it deleted immediately.
Product: Debt collection

In two written statements to FMS INC I've made it clear that the two accounts in collections that they hold on my credit report are not mine and are a result of Identity theft. Dates of both letters are XX/XX/XXXX and XX/XX/XXXX while expressing to cease contact. 
I received three calls today, XX/XX/XXXX and three calls a day for the last two months attempting to collect this debt. I've blocked each number. A new number calls each time and the voicemail state FMS INC in an automated attempt to collect. 
Today, XX/XX/XXXX a XXXX account was made with my name, pictures of my family and a profile picture that was not me. Also, a XXXX number was used. This account showed up on mother 's account impersonating me and or trying to gather information on me. 
Either way this is disturbing behavior and a part of a long series of behavior to either use my identity or collect on debts that are a result of identity theft.
Product: Consumer Loan

I had/have a auto loan with Chase. In  XXXX  I had difficulties making payments do to a loss of work after a  XXXX   XXXX   XXXX . Then the vehicle started having significant mechanical problems not covered by the warranty. In  XXXX , Per Chase, I owed {$8600.00} total and they wrote/ charged off the account, I was never informed of this until recently and my understanding is this  XXXX  should have been issued in  XXXX  or  XXXX . I tried communicated with Chase at various points between now and then. I asked to communicate through email as it was easier because I worked nights at the time. I was ignored. Other then collection notices and a late night visit by a repo man, he was arrested, I had no contact with Chase. Fast forward to the present. Chase issued a  XXXX  for {$8300.00} to myself and the IRS , Date of Ide ntifiable action is  XX/XX/XXXX . I included it in my taxes. Now Chase tells me I owe them {$8700.00 } ( {$8300.00} plus interest ) to  close the account as the debt was not canceled or discharged like their  XXXX  form states. Chase informed me I still owe the debt it was not canceled, discharged, or forgiven. Chase then stated that when I pay it off I can fix it later with the IRS. If I do not pay it Chase states they will never do business with me again and my credit report will suffer. Chase refused to issue a fix/retraction for the  XXXX  that they state does not cancel or discharge the debt. The  XXXX  also states on the third page Chase sent me, " The IRS requires us to send you this form when we cancel {$600.00} or more of your debt in a calendar year. It can be all or part of your debt and can be issued as a result of Chase 's decision to discontinue collection activity and cancel your debt. '' Chase states my issue is with the IRS and not them. Chase states I still owe the debt even though it was  XXXX  and already claim as income on my taxes. Further, while researching the  XXXX  topic, it seems that it is almost solely Chase engaging in this ongoing behavior that allows them a tax benefit while also trying to collect a debt they discharged/canceled.
Product: Debt or credit management

XXXX XXXX XXXX XXXX due to the covid 19 pandemic in NoveXXXX off 2020 ... I had no work doing this times ... the country was at a stand still for a long time... I can't prevent an act XXXX XXXXXXXX  up to this day o don't even know which one it was ... after I couldn't make any payments ... up to date ... I'm still struggling. I'm sorry.