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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I owed less than XXXX i called and asked the bank to lower my payments due to personal financial hardship and even after agreed my car was repossesed and i was sent a payment booklet to pay off the loan
Product: Debt collection

I am writing to address the failure to promptly remove fraudulent accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... ) from my credit report. XXXX and XXXX have already corrected this error. However, your bureau has yet to comply with the law and take necessary actions.
Product: Debt collection

XXXX XXXX XXXX  and XXXX XXXX XXXX broke law andfair debt collections practice they said i was served with court documents but i was not uneven in town i sent demand letter asking for all negative reporting and court documents to be removed they agreed. Credit bureaus have failed to remove from report
Product: Credit reporting or other personal consumer reports

I have pulled my Credit report recently and seen this account sbnaselflendr on my credit report as late. This account was NEVER late. I have paid this account up to the amount I could which was around {$520.00} if im not mistaken. I had to stop paying on the account due to me moving and requested a my payout which is the amount I paid so far on the account. Also they give you the to piton  to cash your check out early. This information on the credit report is reporting wrong I have statements and more making on time payments up until I requested the amount to be sent by mail because I knew I wasn't going to be able to pay any longer.They have the XXXX I requested the amount by mail as LATE and its not late and was never late. I actually only had about one more payment left and I already knew I did but wasn't going to be able to make it thats why I requested my amount early! This account needs to be updated to XXXX  because I was never late AT ALL when I requested the amount I paid so XXXX which was around {$500.00} dollars they sent it now I see they marked late on from the time I requested the check of the balance I paid! Even on the terms it stated we can request our amount we paid early and I did that but to report late is a lie and misleading. I was never late. I would actually like to point out the fcra law thats being violated as well. Per FCRA 15 USC 1681 A ( 2 ) ( A ) ( i ) -Exclusions- transactions are not included on the credit report. LATE PAYMENTS ARE A FORM OF A TRANSACTION. With late payments reporting to the credit report this is a direct violation of the FAIR CREDIT REPORTING ACT. These late payments have adversely affected my credit report and credit score. I was never late and they are reporting late it's inaccurate, misleading and a violation. Below I will show the inaccurate reflection of this account
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Mortgage

I am attempting to refinance a mortgage with USAA. The company is holding up the loan at this point because there was a dispute on my credit report - not an " open '' dispute, a resolved dispute. Their last email said " XXXX XXXX is showing the disagreement code with a resolution of dispute on your credit. This is what underwriting needs removed. '' XXXX XXXX on their part sent the disagreement code, which I am fine with, and resolving the dispute. 
What I am understanding from USAA is that they want that to be undone, which XXXX XXXX can not do. 
A day later, after I inquired as to why such a holdup, about a credit card account with XXXX balance, and whether the issue is risk or something else, I received a response stating " Our underwriters do not manually underwrite files. '' At this point, I am at a dead-end. XXXX XXXX did their part and sent a resolution code, but I suppose USAA still can not accept that as an answer. The only option is to go back in time .... ( I will not continue this sentence - they are not giving me a resolution. ) I feel that USAA should be able to manually underwrite my loan. 
Now, I started the process XX/XX/XXXX, and even though USAA apologized for the delays, they have been pushing the closing date since XX/XX/XXXX. At this point, I do not think I will be able to close because I am deploying in about 8 days to the XXXX XXXX. The current interest rate on the house is high and I have wanted to rectify this issue for a while.
Product: Credit reporting, credit repair services, or other personal consumer reports

With Experian - XXXX. Name spelled incorrectly. XXXX XXXX XXXX is the spelling of my name. 
XXXX. Incorrect past addresses. XXXX XXXX XXXX, XXXX, SC XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX was never addresses of mine. 
XXXX. Incorrect past phone number XXXX was never my number. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is one ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

With XXXX - XXXX. XXXX should not be on my report. 
XXXX. The home that was sold should not have been reported on XX/XX/2022. 
XXXX. XXXX XXXX was not a charge off, and also have duplicate account info I only had one account with them. It was paid through debt consolidation. 
XXXX. There are 2 reportings of late payments for XXXX XXXX which should have been deleted. The car was totaled and paid off. 
XXXX. XXXX XXXX is a collection agency and should not be reporting delinquencies. 
XXXX. My name is spelled wrong under one name used XXXX XXXX. 
XXXX. XXXX XXXX XXXX is not my current address. 
XXXX. XXXX XXXX XXXX is a collection agency and should not be reporting any delinquencies. 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

With XXXX - XXXX. My current address is not XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 
XXXX. There are XXXX XXXX postings and 2 state as current. The only one correct is the one that is closed. 
XXXX. The XXXX account should not be on my credit report. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

They do not have my car loan accurately reported between them all.
Product: Debt collection

I was told by my visa card company that it is another scam attempt to get more personal information from me. They told me to contact you to block my phone numbers. it was a fraudulant attempt to say I made a purchase of {$140.00} from amazon .com The phone number they used was XXXX.
Product: Credit reporting or other personal consumer reports

In accord with the Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C.1681. XXXX XXXX ( original Creditor : XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX acct : # XX/XX/XXXX, XXXX XXXXXXXX acct : # XX/XX/XXXX, XXXX XXXX acct : # XX/XX/XXXX, XXXX acct : # XX/XX/XXXX, XXXX  acct : # XX/XX/XXXX, XXXX XXXX XXXX XXXX  acct : # XX/XX/XXXX, XXXX XXXX  acct : # XX/XX/XXXX, XXXX XXXX XXXX  acct : # XXXX XXXX, XXXX acct : # XX/XX/XXXX, XXXX XXXX XXXX acct : # XX/XX/XXXX, XXXXXXXX XXXX acct : XXXX, XXXX XXXXXXXX acct : # XXXX XXXX XXXX XXXX XXXX acct : # XXXX. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that myfile has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$940.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$940.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$630.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX XXXX Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$1100.00} US DEPT ED XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$320.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX University has violated my rights under FCRA. They placed a charge off account on my credit report in XX/XX/XXXX that is inaccurate. They certified to Experian that I settled an account with them in XXXX. I sent a debt validation letter to XXXX XXXX over 30 days ago, and they have not responded therefore they need to remove the account from my credit report. They reported I settled an account with them, but have failed to provide proof that this occurred. I am planning to file suit due to their dishonesty. 

Experian continues to report debt but has not verified the accuracy of the account even though Ive disputed it several Times. Experian allowed XXXX to report this account last month as a charge off settled legally for less than what is owed. I never settled an account. I do not have an account with XXXX XXXX. This is inaccurate reporting and both companies have violated my rights under FCRA. I have filed a complaint through BBB. The next step will be a lawsuit against both companies.
Product: Checking or savings account

As for the debit card transactions related to XXXX, I have explained multiple times that I do not have a XXXX account. When I contacted XXXX directly, they confirmed that someone used my card to book a rental, which is clearly fraudulent. This further supports the need for an investigation into these charges it is over a XXXX dollars! 

I trust that you will conduct a thorough investigation into these matters so that I can receive the appropriate refund and this situation can be resolved. I sincerely hope that we can resolve this issue without it escalating further.
Product: Debt collection

I, XXXX XXXX, am writing regarding the charge off in the amount of {$380.00} of XXXX XXXX account # XXXX, XXXX account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$30.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus shows reported payments received from XX/XX/XXXX up until XX/XX/XXXX. 

I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$120.00} ; however, my XXXX report shows an original charge off in the amount of {$380.00}.
Product: Mortgage

Partial Release Application Filed on XX/XX/2022. All required documents and fees submitted and paid, including survey of property. Rocket Mortgage has stolen the application fee and has refused to continue the process or refund the fees despite multiple requests.
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> & XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

I received a letter from Rushmore dated XX/XX/XXXX stating that my PMI would be removed as of XX/XX/XXXX, due to the original amortization of the loan. I had to request by fax that they do this, even though it was per our loan that it would be removed. As of today, XX/XX/XXXX, my statement still doesn't reflect that. Yesterday, XX/XX/XXXX, I received an escrow account disclosure statement and change of payment notice that still shows mortgage insurance and an incorrect amount for property taxes, and our payment increasing, for the second time this year. I received the property tax notice in XXXX for {$1600.00}. The taxes were discounted by the county because I turned XXXX last year. The amount for the prior year, XXXX, was {$2400.00}, which is what they are showing due for this year. They also added 2 months of additional escrow, initially, when our loan with XXXX XXXX XXXX was sold to them for servicing, last year, I believe in XXXX. I have spoken with their call center, and via email numerous times, and can never get an answer as to why this is going on. They continue to say that it has to be investigated. We already have a letter saying that the PMI would e removed as of XX/XX/XXXX, so that should not be an issue any longer. Please help me. They won't let me speak with anyone, ( supervisor ) when I contact the call center, which, I believe is in the XXXX. Thank you.
Product: Mortgage

In 2012 we applied for a loan modification to Sovereign on a fixed interest mortgage on our {$750000.00} loan in 2012 due to extraordinary hardship due to downturn in our business as architects and engineers. The interest is 6.25 %. We were denied a loan modification due to some minor issue in the application and were asked to reapply. We ended up reapplying and getting denied about 4 times. The last time we were rejected on a very trivial issue. We complained to supervisors but to no avail. Then almost immediately the mortgage processing was taken over by Santander Bank ( when we called them to apply for loan modification it was the exact same staff as Sovereign Bank ). We were so upset we gave up till now. We have been struggling due to the economic downturn we ended up being a few days late on some mortgage on XXXX occasions. This has prevented us from getting refinanced, also because our income has reduced due to the downturn, we are not able to qualify for current loan refinances. 
We feel that all the interest we have been paying is unfairly charged. We should have been given a loan modification but were denied unfairly. We would like a loan reduction and refinance to a low interest rate. We currently owe {$630000.00} and {$48000.00} second fixed at 7.95 % interest to XXXX XXXX XXXX which was financed at the same time by our original loan broker as an interest only loan which comes due 2018. We still owe the {$50000.00}.
Product: Credit reporting or other personal consumer reports

A delinquent report showed up suddenly on my XXXX and Transunion credit reports that I no nothing about, have never initiated any transactions I have not paid for and have never received any contact from this company -XXXX XXXX XXXXXXXX XXXX, Account number XXXX. I do not want to contact the company because I believe the information is fraudulent. Whatever the information is both XXXX and Transunion won't take it off my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Student loan

Mohela is currently going through a servicing platform update. They have been very clear that they would be doing this update and transferring the webiste/service that handles student loan repayment. That communication was very clear. They made it sound like the platform/service update would take a reasonable time and then it would be fixed. That has not been the case. 

While my account is being " transferred '' to their new service, there is no possible way to pay my monthly amount nor see any status about my loans. I have called and the customer service reps explain that even they can not see or interact with my account at this time. All they can do is confirm that I have an account with them and that the account is currently " in progress '' of switching to Mohela 's new service platform. 

My concern is that I know I have a payment that is due but no way to make such payment which could cause penalties to me in more ways than one. No to mention that the longer this drags on the more interest I am being charged. Mohela has not stated anything about not charging interest or not reporting late payment to credit bureaus if they take forever in this " platform update ''. I should always have the capability to view my account and pay my bills but I suppose Mohela doesn't quite agree.
Product: Credit card or prepaid card

Im trying to access my USBANK ReliaCard. This morning I tried to sign into my mobile banking app and it wouldnt let me so I called ReliaCard. An agent told me that my card was inactive and there was a comment on my account that said to contact the state. I did and the P.A UC said that they did not put a block on my ReliaCard so that I needed to call them back. They still wouldnt unblock my card. Mind you back in XXXX my account was blocked up until last month, XXXX because they had a type in their system with my address. ReliaCard made me fax them over personal information just to get the restriction lifted. I did this for almost 2 weeks straight because every time I faxed them over documents there was a problem. They finally lifted the restriction and was able to send me a card so that I can gain access to the funds that were on there. Now my card is blocked once again and I have no idea why and they arent being any help. I have a total of {$2300.00} that I can not gain access to.
Product: Checking or savings account

XX/XX/year>2024 my father passed away I am next to XXXX. So I called to make sure I could get a XXXX  on his case. That is deceased client number. I was told by a XXXX XXXX going to the branch and look at withdraw the proper amount to give my dad a proper burial. I walked into the branch I was shoot away like a fly that was told that they don't offer those services at all and that there is not a thing known as the deceased client number. This is the branch off of XXXX XXXX XXXX XXXX California. I called the State Servicing back they apologized for the misconduct of their Bank representative and misinformation I called another branch on the XXXX XXXX Florida and they did confirm that I'm supposed to be able to withdraw money for the funeral and they apologized. What I want is compensation. I have sent my letter intent to sue XXXX estate servicing which says that they uploaded it to the proper XXXX and have yet to have a response it took me an increasingly long time to get everything taken care of through the bank liquidating the estate. Finally done. But I am still left with the fact that we might have had to do a car wash had we not had the money to properly bury my father luckily he had a beautiful service as our dear XXXX XXXX. My amount I originally asked for was XXXX XXXX. The gross disregard disrespect and ignoring the issue is going to cost a lot more.