23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

REFERENCE CASE # - XXXX I HAVE SENT THIS INFORMATION SEVERAL TIMES SINCE XXXX VIA FAX OVER THE PAST FEW MONTHS, I RECEIVED NO RESPONSE. 
ALSO, I NEVER RECEIVED THE " AFFIDAVIT '' THAT I WAS REQUESTED TO SIGN IN THE XX/XX/XXXX LETTER.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Discrepancy : TransUnion reports {$14000.00}, while Experian reports XXXX XXXX. 
Charge-Off Date Conflicts : TransUnion : XX/XX/year> Experian : XX/XX/year> Closing Date Issues : TransUnion : XX/XX/year> Experian : XXXX Closed Date. 
Balance Reporting Error- If the balance is SO on Experian, the account must not report as a charge-off.


Date Discrepancies - The last activity dates do not match, which violates FCRA 623. Metro 2 Compliance Issues - The charge-off status is inconsistent, making the account invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 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 . Company Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX, DPT ED/XXXX
Product: Credit reporting or other personal consumer reports

Provided proof on data breach for identity theft issue with inquiries. 
XXXX Account was opened then immediately closed once I complained. 
XXXX account open tries never happened.
Product: Mortgage

I hired a company to get me a loan modification and they scammed me. I was told not to make payments and now I 'm $ XXXX behind. ( I filed complaint on them too ). I had to file bankruptcy to keep my house. It is very difficult money wise. I have XXXX to care for. I asked the loan company ( Ditech ) to put the arrearage to the back of the loan so I could save {$600.00} a month or so. They are giving me the run around. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau XXXX XXXX to let them know that the public record that they are reporting on my credit file does not belong to me. They are reporting a bankruptcy for someone with the last name spelled XXXX, my last name is spelled XXXX. Please remove the inaccurate record from my credit profile I am attaching proof of the spelling of my name which shows proof that the file doesn't belong to me.
Product: Credit reporting

This account was paid and closed and Is showing collection on my credit report. I was told by the collection agency that this would be removed. I want this account removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our home was burnt down in the XXXX XXXX XXXX on XX/XX/XXXX. This would make our last payment to XXXX XXXX XXXX, our mortgage company, XX/XX/XXXX. Due to the disaster we were put on a forbearance plan. During this time we were bounced around with multiple people assigned to us. Every time we received a check from our insurance company it went straight to XXXX XXXX in order to pay off our home. The forbearance ended on XXXX of XXXX and due to waiting on checks from our home insurance and the time it took for XXXX XXXX to actually put the checks toward the loan and get approval, the house loan ended up being paid off In XXXX of XXXX instead. ( One month late ) Resulting in XXXX giving us a 120+ late  payment, stating they would count our last payment to them being on XX/XX/XXXX instead. There was not enough communication between XXXX and us to give us enough knowledge to know what steps to take next and know what kind of consequences lie ahead if the loan was not paid off. There were no options explained to us, no extensions mentioned, little to no communication. There were times they claimed to have lost our checks on MULTIPLE occasions. We feel we have been wronged in this and ask for your help. We paid off our house and tried to within the first year. The second they received our checks they shouldve deposited them toward the house, not held onto them causing some to be lost in the process. We might not be the only people they took advantage of and dismissed. We do not deserve to have this on our credit when there was no effort on their end to help us. We can not get a loan to get a new house because of this. We are stuck and it is not our fault.
Product: Debt collection

There was no balance on my account when I stopped working for my job, But they have a deceiful bank - that uses a ro-bo machine that made-up amounts that I owe- that are false.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor name " XXXX XXXX XXXX '' Violated the fair credit report act by unlawfully reporting to all three credit bureaus which affected my fico scores. How they violated my rights by unlawfully reporting to the bureaus without allowing me to dispute and verify any debt so I may dispute any error. The collection agency hasn't notified me by mail, email or phone call. I haven't received any form of Communitions of the XXXX from " XXXX XXXX XXXX '' by them or liberty mutual. 
I have been a victim of fraud and identity theft which resorted to subject towards a credit freeze with all three credit report agencies because someone is unlawfully using my social security without my acknowledge with the attempt to open accounts. I am seeking by law and due to the circumstances of the removal and any reporting from this collection agency to be wiped of my credit reports permanently because of violation of rights and fraudulent activity.
Product: Credit reporting or other personal consumer reports

Subject : Response to Fraudulent Activity Regarding Medical Collection Account To Whom It May Concern, I am writing to report a case of identity theft regarding a medical collection account listed on my credit report. The account in question is with " Progressive Management Systems '' and is associated with services supposedly rendered at " XXXX XXXX XXXX XXXX. '' I have no knowledge of this account or the services it represents, indicating that it is the result of identity theft. 

Upon reviewing my credit report, I discovered an outstanding balance of {$6600.00} attributed to this account. The dates of the reported services and actions taken by the company are unknown to me as they do not correspond with any medical treatment or interactions I have had. 

I have taken the following actions regarding this fraudulent activity : - Immediately contacted the credit reporting agency upon discovery of the erroneous information. 
- Placed a fraud alert on my credit reports with XXXX to prevent further unauthorized accounts or activities. 

It is crucial to rectify this situation promptly, as it is negatively impacting my credit score and financial reputation. I request that this account be thoroughly investigated by all parties involved, and any associated negative remarks be removed from my credit report.

Please do not hesitate to reach out to me for any additional information or verification required to assist in resolving this matter efficiently. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My mortgage company did not pay the flood insurance out of escrow as it had been set up. As such I had to pay my flood insurance and submit verification or lender insurance would be secured. I obtained insurance in XXXX, submitted proof in XXXX, XXXX and twice in XXXX. The insurance was not verified so I had to pay an extra {$500.00} to cover the lender procured insurance. I submitted my normal payment, plus XXXX as I always do to pay my mortgage of quicker, but the lender refused to process it since it did not cover the full cost of the extra insurance. 
MB financial blackmailed me into paying for insurance that was not needed, since I had already sent in proof 4 times for valid flood insurance, and was way over priced ( normal insurance is XXXX a year and their insurance is XXXX a month ). They offered a refund of course but if i did not pay the full amount XXXX before the end of the month, even though they had my proof of insurance, they were going to start charging late fees and of course report to the credit bureaus. 
I had paid XXXX but they refused to process until I paid the extra XXXX over the phone. They could not process a partial payment of XXXX, but would process a partial payment of XXXX and then apply the other payment. 
This can not be proper. To procure self insurance at an absurd rate and force someone to pay, even after proof of insurance was submitted multiple times. The threat of piling up late fees on top of attacking my credit is absurd and hopefully illegal. Thank XXXX I have the resources to pay, wait for a refund but if not they would have intentionally attacked my financial well being over their mistakes.
Product: Mortgage

Failure to Comply with Foreclosure Process Requirements : Failure to File a Notice of Default ( NOD ) : PHH Mortgage Services did not file a Notice of Default ( NOD ) upon being assigned the loan on XX/XX/year>, as required by law to initiate the foreclosure process. 
Failure to Issue or File a Notice of Trustee Sale ( NOTS ) : No Notice of Trustee Sale ( NOTS ) was issued or filed, which is a necessary step in the foreclosure process before scheduling a sale. 
Failure to Mail a Notice of Foreclosure Intent : PHH Mortgage Services did not mail a formal letter or notice informing the borrower of their intent to foreclose, as required by law to ensure the borrower is properly notified of the foreclosure proceedings. 
Non-Compliance with Foreclosure Laws : PHH Mortgage Services did not comply with the legal requirements and deadlines set forth in the foreclosure process, which includes proper notice and timely filings.
Product: Credit reporting

Y'all do n't have my address some one gave a fake address for me which is not mines mine is XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please contact me and correct this issue thanks in advance for your time. ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act XXXX  Account XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

From XX/XX/2024 to XX/XX/2024 every a month a payment of {$260.00} is taken out of my account without authorization for XXXX XXXXXXXX XXXX. A total of {$2300.00}. Which I do not have on my car. I filed a fraud dispute with Bank Of America and it was denied
Product: Credit card or prepaid card

In XX/XX/XXXX, I visited XXXX XXXX in XXXX, OH and was persuaded to become a member. A membership at XXXX costs {$99.00} per month and was told that as a member, I could visit a clinic each month to receive a chemical peel or microdermabrasion ( valued at {$99.00} ) in exchange the membership fee paid. I was very excited to take advantage of my membership and visit monthly to receive treatments. 
The XXXX XXXX XXXX ( WHO ) on XX/XX/XXXX, declared the novel coronavirus ( COVID-19 ) outbreak a global pandemic. Immediately following this declaration, XXXX was closed for months citing safety concerns amidst the pandemic. Due to the local and federal restrictions, they were forbidden to provide customers with the standard services they normally provide. To this day, they still are not providing the majority of services, as per their website. However, they were still charging members saying the members could bank the money as credits to be used later. I contacted XXXX last year and tried to work through my issues concerning not being able to be serviced by still paying. The supervisor and I went back and forth and no resolution was made. We had a few phone calls and they tried to get me to do expensive services that I didnt need. 
I then filed a despite with Citibank on XX/XX/XXXX hoping that they would assist. Citibank reached out to the merchant on XX/XX/XXXX and gave them 90 days to respond. The merchant responded to Citibank on XX/XX/XXXX with a general contract ( my actual name and signature were not present in the screenshot ) and the correspondence to the dispute was ripe with errors and falsifications of dates and facts. At one point, another customers name was even included. 
Further, once XXXX realized I filed a dispute with Citibank, they closed my member account meaning all of the supposedly banked credits ( {$99.00} per month x 8 months ) were wiped away. So not only is Citibank holding me responsible for these charges, the merchant already ended the contract. 
I do not feel Citibank protected me as a customer and executed a high-quality, high-equity investigation. Instead, the bank sided with the merchant after conducting a seemingly cursory review of the documents. I filed a claim saying yes, I signed up for a membership, but was not provided with services consistent with what the membership advertised. I was arguing that based on these terms, I deserved a full credit. Citibank took the merchants response of the customer ( me ) signed up for a membership and used that to deny my claim and hold me responsible for {$790.00}. I filed an appeal with Citi and they declined it and upheld the charges. I believe Ive been wronged by XXXX and now Citibank.
Product: Credit reporting

On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX XXXX Bank acct # XXXX for the date of last activity, payment history, status, high credit and the dispute was returned verified. I have included the excerpts of my credit reports showing how these accounts are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information on my credit repair that need to be removed as soon as possible! The credit bureau hasnt responded or did not handle the situation correctly! They are violating my consumer rights! The fair reporting act states that all information has to be 100 % percent accurate! The fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I sent In documents supporting my case! Experian, XXXX, XXXX has violated my rights and housing illegal information that is causing me hardship! 
Account number thats needs to be removed or Ill be forced to take legal actions is. 
XXXX XXXX acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct number # XXXX Addresses thats not mines I never lived here is XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entry, as it is obstructing my ability to obtain credit. This account is unfamiliar to me. 

Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/year> Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute an inaccurate Bankruptcy on my Credit report - US bankruptcy XXXX XXXX from XXXX - Acct XXXX starting on XX/XX/XXXX with the main 3 Credit Bureaus. XXXX removed the inaccurate information within 30 days, Experian did not and they stated they verified it according to the previous creditor ( the court ), and XXXX XXXX did not conduct an investigation,. So I disputed it again on XX/XX/XXXX with Experian and XXXX XXXX ( attached disputes ) and with the court at which it is allegedly held. XXXX XXXX stated that 'they could not verify it was me ' ... so I called them to verify and they said they would remove it, but both XXXX XXXX and Experian validated it again. I received a letter from the Court on XX/XX/XXXX that they do not furnish data to the credit bureaus which struck me as weird because XXXX XXXX and Experian stated they checked with the court. I disputed AGAIN on XX/XX/XXXX, this time with the Court response attached to my disputes and this as the language I used : XXXX XXXX did not investigate, again, and Experian failed to look at the documentation. I reached out to XXXX because I read online that they sometimes provide data and they reached out stating they could not verify it was me, so I called them like XXXX XXXX and sent another letter. They sent me a report of my XXXX file but failed to look at my dispute and remove the inaccurate item. 
I have attached this dispute to the file as well Just to try it again and give the benefit of the doubt, I disputed again XX/XX/XXXX. I disputed with Experian online and uploaded the court doc and my ID docs., tried to do XXXX XXXXXXXX online but it will not allow you, so I mailed disputes, and got the same result. I am perplexed at where to turn, XXXX removed the inaccurate item quickly yet XXXX XXXX does not investigate and Experian fails to look at the information
Product: Credit reporting, credit repair services, or other personal consumer reports

hi my name is XXXX XXXX i was on a joint account with XXXX XXXX and after selling my home it was on my credit report so i called and spke to experian asking why was it on there they told me it have to be on there until 2025 so i called my mortgage company asking why was it on my credit report they told me it shouldnt be on my credit report so after i spoke to them it still wasnt moved from my credit report so i am now reaching out to get house trying to purchase another home for me and my family
Product: Bank account or service

Someone made several puchases in the back of my morning coffee in a local gas station On the run. XXXX? I noticed it on my banking repoRonnettart. Credit report company XXXX credit monitering. A PNC employee contacted me on an odd line. Credit and XXXX othe companies.
Product: Credit card or prepaid card

Summary : What I was told was a " re-authorization '' of my existing XXXX credit card was actually a new card. I asked the clerk twice if he ran my credit and was told no - he said he just reauthorized my old card. In fact, he did run my credit and opened a new card for me, which I did not want. 

Details : I have had a XXXX store credit card for over 10 years, but do not use it regularly. I went to XXXX on XX/XX/2018 and tried to make a purchase with my XXXX card ( a relatively small purchase of only {$37.00} ). After I swiped it, the clerk asked if I had used it recently - I said no. He said that if I don't use it every 6 months, it needs to be reauthorized ( that seems like an absurdly short window for a store card ). He asked for my drivers license, and then the credit card pin pad asked me for my Social Security Number and Date of Birth. I asked if he was running my credit and issuing me a new card. He said no, he was just reauthorizing my old card. I accepted the information on the pin pad ( admittedly, I didn't read all the fine print - there was a long line of people waiting behind me to check out ). The clerk then handed me a paper slip and said that the new card would be mailed in 15 days. I asked again if he ran my credit and if this was a new card. Once again, he said no. 

I went home and did some research, including checking my credit monitoring service. In fact, he did run my credit and I was issued a new card. I did not want a new card, and I certainly didn't want to be tricked into applying for one. I was told that he was just reauthorizing my existing account. I called XXXX the next day and lodged a formal complaint, as well as closed my XXXX account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I applied for 3 credit cards through XXXX XXXX I was denied because my credit was frozen. I unfroze it and ran it again. They informed me that since I was declined I could not get it. However, I was told it would not effect my credit to apply. Instead of a soft pull they did a hard pull which did effect my credit. XXXX points are added for every hard pull. 
The cards were : Milestone, Destiny, and Indigo. 
I have sent numerous emails requesting them to remove this from my credit account and have not received a reply from them. 
I feel that if I was declined the first time because my credit was froze and declined the second time due to the first decline, then why would they pull my credit? It doesn't make sense why it's on my credit report. 
I disputed it with XXXX and was told that the companies have to remove it. How can anyone contact them when there is no contact information? 
I hope you can help me with this issue. 
Thank you
Product: Mortgage

Wells Fargo offered a Covid-19 Loan Suspension Program for 90 days. They offered various solutions on the front end of the program. ( examples : move missed payments to end the loan, etc. ) We missed two payments under this program and then reached out to Wells Fargo to figure out how to resolve the missed payment situation under the Covid 19 Home Loan Suspension program. One of their solutions was to move your missed mortgage payments to the end of the loan. We though that was a viable option. Wells Fargo is happy to move these payments to the end of the loan but what they did not explain on the front end is to do this it labels your mortgage into a deferment status. That has devastating consequences to your mortgage. This is where the bait and switch came in. Wells Fargo offered happy solutions on the front end but did not explain the devastation it causes on the back end. The account number with WFM is XXXX. I feel WFM was not honest with their consumer on the front end about this program and has now left us in a very difficult situation. We have had our mortgage with Wells Fargo for 17 years. This is has been completely devastating. I have talked to XXXX people over the last 30 days with WFM and there has been no resolution offered by them that does not hurt our mortgage status or credit.
Product: Credit reporting or other personal consumer reports

I have requested to opt out of reporting all non-public personal information and removing such accounts from my consumer report. I have notified XXXX XXXX XXXX XXXX, and Bank Of America through XXXX. Per 15 usc 6802 and 16 cfr 313.7 ( f ) as a federally protected consumer I am opting out of all authorization I the consumer may have given to disclose non public personal information. 5 USC 552A ( d ) ( 1 )