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

In XX/XX/XXXX, I discovered multiple fraudulent accounts and charges on my credit report. These included accounts opened with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The fraudulent activity began as early as XX/XX/XXXX, with the most recent fraudulent accounts being opened in XX/XX/XXXX. 
XXXX XXXX XXXX : Fraudulent accounts opened in XX/XX/XXXX, with a total unauthorized charge of {$7000.00}. 
XXXX XXXX XXXX : Account fraud began in XX/XX/XXXX. Although there were no fraudulent charges, the account was opened without my permission. 
XXXX XXXX XXXX XXXX : Fraudulent activity started in XX/XX/XXXX, with {$44.00} in unauthorized charges. 
XXXX XXXX XXXX : XXXX began in XX/XX/XXXX, with {$1200.00} in unauthorized charges. 
I immediately took action by contacting the companies involved, freezing my credit, and reporting the identity theft to the FTC. Despite my efforts, these fraudulent accounts have negatively impacted my credit and financial standing. I request that these companies take the necessary steps to close the fraudulent accounts, remove the charges, and correct my credit report.
Product: Credit card

XXXX LATE FEE in Error Refused to waive the late fee when payment was made on time ( Automatic payments setup ) no missed payments or late payment history ever! 

They stated that I changed banks, but never did. After they state that I changed accounts. I never did and then went on to say they could not help me ....? Company only gave me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

confirmation number XXXX Issue # 1. XXXX hasnt not been corrected. Accounts still show bankruptcy. They were not included in a bankruptcy. So far I have submitted fedloan documents showings accounts paid in full not derogatory. I have also supplied bankruptcy papers showing not included in a bankruptcy. Also XXXX discharge due to XXXX papers. EVERY TIME I call XXXX   they tell me they are not going to remove. They have also refused to conference call with the creditor. Now they told me on phone they dont have documents I submitted and will not call any bankruptcy court to verify. They have also sent me letters im being frivolous recently. This improper reporting has cost me many credit card applications and housing since I have so many fedloans not showing paid as agreed. I have been waiting and fighting a year to be fixed. Fix immediately. Should show 7 to 9 paid in full accounts. No more pending. XXXX refuses to fix immediately after this error has been partially there fault for over a year now. This needs to be rushed now. Im getting economic loss, high interest rates, and lost housing because of false reporting. no more waiting Issue # 2. around XX/XX/XXXX I  submitted XXXX credit report to show status of the XXXX and they added XXXX using XXXX credit report. I have since disputed and they told me americu verified account. I have called XXXX and they have not reported to anyone about accounts in my name recently. There should not even be a dispute on my end since it was not correctly added to XXXX by using a credit report I gave then from another agency regarding something else. A representative stated that XXXX has always been they since XXXX. there resolve XX/XX/XXXX shouldnt be there since it wasnt correctly reported. A agent stated to me XXXX XXXX its always been there. This isnt true. XXXX has failed to give me how it was added in XX/XX/XXXX. I want proof americu initiated adding it recently. If they did not. It needs to be removed. Please XXXX dont send me something that is in progress. I have also included in the past another credit reporting agency XXXX stating all paid in full. Fix this immediately ( yes or no ). 

in this complaint im including. 

1. A recent result for cfpb were XXXX states accounts were not included in a bankruptcy 2. something from the bankruptcy court stating XXXX were not included 3. A statment from XXXX stating they never reached out recently to equifax 4. A credit report from XX/XX/XXXX and XX/XX/XXXX showing that it wasnt previously on my report until I submitted my XXXX dispute in XX/XX/XXXX to XX/XX/XXXX A XXXX letter stating accounts paid as agreed, paid in full not derogatory
Product: Debt collection

Received bill from Army & Air Force Exchange Service for a balance of {$4800.00}, covering up to XXXX XX/XX/XXXX ( through their XXXX XXXX, XXXX XXXX XXXX ) Paycheck ( weekly ) was garnished XXXX on XX/XX/XXXX by Army & Air Force Exhange Service. No judgements, no notification prior to were given. 

Received notice from U.S. Department of the Treasury XX/XX/XXXX ( dated XX/XX/XXXX ) that a payment of {$4800.00} from our federal tax return was paid, by EFT, to Army & Air Force Exchange Service. 

Called XXXX XXXX XXXX XXXX ( using number listed on IRS notification ) XX/XX/XXXX seeking a payoff letter. Spoke with XXXX XXXX, employee ID XXXX, who informed me that the payment hasnt reflected and the garnishments would continue for 4 to 6 weeks. He further claimed that the ACTUAL balance is {$5700.00}. I have never received a bill for anything more than {$4800.00}. 

XXXX XXXX claimed that they update their systems every Monday ( which would be today, XX/XX/XXXX ). 

XXXX XXXX claimed that an Intent to Garnish was issued XX/XX/XXXX to an old address which he claimed was the only address they have on file. I am not inclined to believe this as we receive regular billing statements at our current address. No yellow sticker, the address is physically printed on the statement. 

They have received {$140.00} more ( between wage garnishment and federal income tax garnishment ) than I was ever billed for and are knowingly going to collect more they are not entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GAXXXX XXXX XXXXXXXX XXXX, GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THAN
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my XXXX XXXX aka XXXX XXXX XXXX XXXX was skimmed at a gas station pump and I started receiving charges from out of state. My credit card app started notifying me of the fraudulent charges and I immediately called my credit card to report Fraud. So I called XXXX and reviewed all the charges on my credit card and I decided to pay my portion of the balance " I owed '' and closed the credit card with a XXXX balance. On my next statement I get a {$25.00} charge from XXXX  " aka '' XXXX XXXX XXXX saying I owed them because they reversed a credit from one of the fraudulent purchases. That would have been fine " BUT '' they also were also paid {$25.00} from the Merchant as well. So they were asking me and the merchant to pay them?????????? XXXX " aka 'XXXX XXXX XXXX is XXXX XXXX XXXX XXXX! I never made the Fraudulent purchase and they are reporting me delinquent to " XXXX '' who is upholding their decision. XXXX has asked me for numerous documents and lied to me over and over saying they would " block '' the account if I had a police report. I've submitted ( 2 ) police reports ( 1 ) XXXX complaint ( 1 ) FTC complaint ( 1 ) CFPB complaint and nothing.
Product: Debt collection

The company Americollect has now called me from 6 separate state numbers. 
They have called me from Texas, Pennsylvania, Ohio, New Jersey, Montana, and California. I have never resided in any of these states. I can understand calling from a number thats familiar to my hometown, however its excessive to call from SEVERAL DIFFERENT STATES. It seems almost predatory to call the debt owners using out of state numbers. I will handle what I owe with the company, however I would like to make it known. CALLING FROM 6 DIFFERENT STATE NUMBERS feels like harassment at this point.
Product: Credit card

Approximately 1 year ago I put in a claim to USAA Homeowners Insurance for a damaged/leaking roof. I have paid premiums to USAA for decades for homeowner 's insurance, auto insurance, and I also have a credit card with them. There had been documented hail during the period preceding my roof leaking. USAA send an adjuster out who wanted to " bandaid '' the issue. I did not feel his solution met my needs. I talked to several representatives of USAA, without success about replacing my whole roof. I have always paid my insurance premiums on time, and have had minimal claims with USAA over the years. I sent a letter to USAA approximately 4-5 months ago making another claim for my roof since it is leaking worse than before. I feel wood under the shingles may have been damaged. I heard NO RESPONSE from USAA regarding my letter. Now we have had several days of hard rain and storms. My roof is leaking into my kitchen, dining room, and back bedroom. And more rain is forecast for next week. They are calling for some flooding due to excessive rain. I do have a flood policy also. I am on a fixed income and it would be difficult financially for me to replace my whole roof, along with some of the wood. I wanted to be protected -- that is why I maintained insurance with USAA. I am a veteran of the XXXX XXXX and have an honorable discharge. I am also an older adult. I want my whole roof replaced. I have about an approximately XXXX sq ft roof, which does not appear that complicated. I do want it replaced properly and flashed properly to prevent damage to my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was removed for XXXX and XXXX but XXXX will not delete this incorrect collection from my report UNITED REVENUE CORP XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I wanted to share a frustrating experience I had with Equifax, one of the major credit bureaus. Recently, I disputed some inaccuracies on my credit report, thinking it would be a straightforward process. However, their investigation turned out to be a complete mess. 

First off, I found out that they didnt even comply with Section 609 of the Fair Credit Reporting Act ( FCRA ), which means I should have received a full disclosure of all the information in my file, along with the sources. But they didnt provide that, which feels like a violation of my rights. 

Then, under Section 611, they are required to conduct a reasonable investigation into the disputed information. But honestly, it seemed like they barely looked into it at all. The findings they sent me didnt address the discrepancies I pointed out, so Im left feeling like nothing was resolved. 

Theres also Section 623, which states they need to ensure that any information they report is accurate and up-to-date. The inaccuracies on my report definitely dont meet that standard, so Im pushing for them to correct it right away. 

Lastly, Section 605 covers how long negative information can stay on a report. If the items I disputed are outdated or wrongly reported, they should be removed, but it seems theyre ignoring that too. 

I wrote them a letter demanding that they take another look at my case and fix these issues. Its just so frustrating to deal with this, especially when it feels like my rights are being overlooked.
Product: Mortgage

Following a lengthy legal process with Nationstar Mortgage, my loan was transferred to Mr. Cooper, my current loan servicer, beginning XX/XX/XXXX. Since that time, Mr. Cooper has engaged in a wide range of predatory practices in servicing my loan. I am worried that their actions, which deviate from the agreements made in my contract, will result in another long legal battle for my home. 

The most recent incident involves my XXXX mortgage payment. The amount of {$2500.00}, was applied to my online bill account on XX/XX/XXXX. I am enrolled in auto-debit so Mr. Cooper typically automatically takes from my personal checking account. I checked my personal account on XXXX to ensure payment was made and saw the full amount charged to from Nationstar, doing business as Mr. Cooper. Additionally, I called Mr. Cooper on a recorded line on XX/XX/XXXX, where they confirmed that payment was applied to my account and went thought without issue. Understanding this, I fufiled other bill obligations, under the assumption that my mortgage payment was competed for the month of XXXX. 

It was not until I checked in ahead of my XXXX payment on the XXXX that I was informed Mr. Cooper infact did not debit my account, and failed to debit by account at any point within my contractually obligated grace period which is a period of 17 days after the contractual due date. As a result, Mr Cooper billed me for a new amount of {$5000.00} without an itemized explanation of the new charges. This is in addition to the XXXX mortgage bill of {$2500.00} that was separately applied to my account. As it currently stands, I am unpaid for the month of XXXX because of this situation. 

Note : Upon further inspection, I discovered Mr. Cooper assessed a payment reversal on XXXX the same day the bill was applied and my account was debited. I believe it was applied recently and backdated for XXXX.
Product: Mortgage

XX/XX/XXXX - I logged into my online account with Shellpoint Mortgage and followed the instructions for uploading a supplemental property tax invoice in the amount of {$1000.00}. This invoice was generated by XXXX XXXX XXXX XXXX after I settled a value appeal with them. The invoice was for the balance due for XXXX and the payment was due XX/XX/XXXX. I have an escrow account with Shellpoint Mortgage for Shellpoint to pay my property tax and insurance. As of XX/XX/XXXX my available escrow balance over {$6400.00} ( well above the tax invoice due ). 

XX/XX/XXXX - I logged into my online account with Shellpoint Mortgage and initiated an online chat with a representative. I expressed concern that my property tax invoice had not yet been paid. The representative informed me that my uploaded invoice was received on XX/XX/XXXX and that the concern would be promptly handled. 

XX/XX/XXXX - I emailed Shellpoint Mortgage at XXXX and expressed concern that my property tax invoice had not yet been paid. I did this in addition to the chat because I was unable to print the chat text and didn't fee confident the situation had been handled. I did not receive an email response from Shellpoint. 

XX/XX/XXXX - I called Shellpoint Mortgage and listened to an automated message indicating that my concern would be addressed in XX/XX/XXXX. This is well after my property tax invoice due date of XX/XX/XXXX. I then spoke with a representative in the property tax department who confirmed Shellpoint received my uploaded invoice on XX/XX/XXXX. The representative indicated the bill would be paid, but indicated they were unsure if Shellpoint was responsible for any late fees. I explained Shellpoint is 100 % responsible for any late fees/interest/other charges due if the invoice was not paid on time. 

XX/XX/XXXX - I confirmed on the XXXX XXXX XXXX XXXX 's website that my property tax has not been paid from my escrow account by Shellpoint Mortgage. The bill is now late and XXXX XXXX has begun charging interest for the unpaid balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX   XXXX  XXXX, XXXX XXXX  XXXX, Company Inquiries : 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: Debt collection

I received a statement from Eagle Recovery Associates , Inc., dated XX/XX/2018, directed to a last name I went by almost ten years ago. I contacted the agency to clear up the confusion and let them know it is most likely and error or possibly ID theft because it has happened to me before. The debt they stated I owed was for XXXX XXXX XXXX set up in IL but I've never lived in IL. They were able to pull up records that supported I live in OK and go by a different name. After being on the phone with them for 40 minutes they still would not remove me from owing this debt. I asked them what I can do and they said we will have several long conversations to get to the bottom of what happened and find the common denominator. During this time they looked me up in depth using their resources and continued to go over my previous addresses, supposed acquaintances, and information about my ex husband. They would ask who certain people were and I would tell them I don't know, but I t was apparent they did not believe me because they would ask the same question again multiple times in a rude demeaning tone. This is troubling to me considering I'm not the person who set up this fraudulent account, I do not feel it's my responsibility to get to the bottom of how they let this fraud happen. The individual ended the call stating they needed to do more research and would call me back. Once off the phone with them I contacted the company who they claimed they were collecting the debt for. That company said they have no record of an account under my name or social going back 10-12 years. At this point, I believe there is a fraudulent act of attempting to collect superficial debts by Eagle Recovery or they are attempting to collect from the wrong person they found online and their practices of doing so border harassment and defamation. My goal with filing this complaint is so that their practices can be reviewed to ensure they are treating people honestly and fairly. In addition, I would like to have my information removed from this collection attempt.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This card is showing 2 late payments on my credit reports to the 3 major bureaus. One late payment was in XXXX of 2024, the other in XXXX. I am a XXXX  veteran with a service connected XXXX XXXX XXXX XXXX XXXX XXXX XXXX exposure while I was XXXX XXXX XXXX XXXX. In XXXX of 2024 I experienced XXXX symptoms from that injury which prevented me from accessing the payment portal in a timely manner. I called Customer Service and they assured me that this late payment would be rehabilitated on my credit report. In XXXX of 2024 I made an on time payment via the app. The app has been problematic in the past. The app showed that the payment was successful but this was in error because the payment did not go through. I called customer service and they acknowledged the issue and suggested I schedule all future payments as automated withdrawals from my bank account which I agreed to. The CS Rep said they would investigate removing that late payment from my credit report.
Product: Vehicle loan or lease

Tried to apply for a joint account at XXXX XXXX. Didn't give me option to add his information and went to credit terms agreement. I didn't click on submit because it wasn't complete without his info. They still pulled my credit on the incomplete application and denied me. Application number # XXXX. Called two different numbers but they would not correct application. Wanted to me to go to a dealership to correct. So they pulled my credit without my authorization and denied me. Negatively impacting my credit score. I'm sure I'm not the only one stuck like this. They have a problem with their on-line application process they need to fix since it submits application regardless if you accept their credit application terms or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT or REMOVE a portion of the data in my credit document. Also I found out that there are still a few records that are reporting on my file. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records and I want it to correct. XXXX XXXX XXXX Balance Owed : {$800.00} - How can you report this account as Late when my record shows that this account was Paid as Agreed. Please adjust immediately. XXXX XXXX Balance Owed : {$29000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX Balance Owed : {$12000.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5800.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX XXXX XXXX Balance Owed : {$820.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Product: Debt collection

Reporting wrong amount to credit bureaus and refusing to accept payment of proper amount. 

1. XXXX final account statement dated XXXX XXXX, 2015 shows a balance of {$600.00}. See attached. 
2. This final statement has a charge of {$85.00} for final utilities. I had already paid the final utilities. Proof of this is attached. 
3. This final statement has a charge of {$270.00} to " re-glaze '' a tub that was in the same condition upon move-in. It was an older apartment with an older tub that had slight discoloration and wear and tear upon move-in. This seemed normal given the age, so I did not see any need to mark this on my move-in checklist. 

This results in a balance of {$240.00}. I have tried since XXXX 2015 to resolve this, but " XXXX '' and " Fair Collections and Outsourcing '' will not correct the above errors and continue to report inaccurate amounts to the credit bureaus.