23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2022, I went through a huge mess with HomeLoanServ to get my mortgage current after going through XXXX forbearance and divorce. I was told that my credit would show as on time once I filled out the home retention packet, which I emailed back on XX/XX/2022. I was told that after XXXX months of on-time payments, I would receive new paperwork and my credit would show current for the mortgage.Unfortunately, things did not work out like that, and even though I continued to make payments, I was consistently told that there was a rare error in their computer system. Eventually, I filed with the CFPB and finally got someone to help me. XXXX with HomeLoanServ was great and got everything back on track. Still, after getting my annual credit report from the XXXX credit bureaus, my credit is still showing delinquency. Each credit bureau is reporting something different with different months being delinquent, even over the summer after getting paperwork squared away finally. I looked at the report HomeLoanServ gave in response to my initial CFPB report, and it is stated that their XXXX asked me to let her know which months were showing up as delinquent in my credit reports. That never happened. I never was asked, nor did I know that they would need that information. Wouldn't they share that information naturally with the credit bureaus. Why would they need to ask when they can see from their own records that I submitted the home retention packet at the end of XXXX. Shouldn't they just report that I have been current on my mortgage since XX/XX/2022? HomeLoanServ needs to follow through and make this reporting correct with the credit bureaus. XXXX XXXX, who is also listed on the loan, needs to have it corrected for him as well.
Product: Credit reporting or other personal consumer reports

There is a collection account named " Conserve '' on my credit report. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide a purchase agreement to show my ownership of such account. I have never sign or enter into a purchase agreement with them. I request the account be removed from my credit.
Product: Credit card or prepaid card

This issue is regarding Home Depot Credit Card website ( run by Citibank online ), on the payments section. When making payments, there are multiple options to select a precalculated payment amount. XXXX option is " Amount to Avoid Interest '', which it would seem to imply that if you pay this amount you won't be charged any interest. I have used this option multiple times to make a payment yet, I continued to be charged interest. As of XX/XX/2023 I've been charged over {$800.00} in interest XXXX, despite using this feature to avoid paying interest. 

I called customer service and they explained that this option only applies to " promotional balances '', but it doesn't include any revolving balances. However, there is no indication or disclaimer on the site that explains this particular detail, despite other options on this menu having " explainers ''. 

This option seems to be intentionally misleading to the customer because it doesn't indicate what would be a sufficient amount to actually avoid paying interest. Because even if XXXX, as a savvy customer, were to assume this amount referred to the promotional balance, if XXXX were to add the total amount of the revolving balance, that won't be sufficient to avoid the interest because this payment will likely be applied to the promotional balance, and the customer will be charged interest. XXXX will have to call another department so that they allocate that extra payment properly.
Product: Debt collection

On XXXX XXXX l sent Nataion Credit lnc certified mail .Not to contact me until they verified the said debt.They haven't sent anything to me, verification of any sort..They wrote me a letter threating to report said debt to credit bureau.Threating me to make it difficult to get credit or housing.Harrasing me
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft and am disputing several accounts and inquiries on my credit report that I did not authorize. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete all fraudulent accounts and inquiries listed below. 
Fraudulent Accounts 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Financial Asset Management has reported this collection to my XXXX  credit report with the current balance of {$4300.00} and an original balance of {$3300.00} and original creditor being XXXX XXXX. I contacted the company months ago to request a mailed written verification of debt along with the original date the loan was opened, the loan amount, the university the loan was used at, and the school year ( s ) the loan was submitted for since this student loan is unknown to me. The representative I spoke with at the time advised me that she would mail out verification of debt along with the open date for the loan, loan amount, the university the loan was used at, and the school year ( s ) the loan was submitted for. But I have yet to receive anything in the mail and this is still being reported on my credit report as a owed collection. I am requesting either the collection agency or the original creditor provide me with mailed written factual proof that this debt is valid and owed by me. Along with providing the date the loan was opened, the loan amount, the university the loan was used at, and the enrolled school year ( s ) the loan was used for. If my requests noted above can not be met in full then I would respectfully request this debt be deleted from my credit report with all bureaus reporting it and with no future reappearance.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, and/or XXXX ) credit reports and I noticed late payments posted on my credit report. A proper investigation was said to have been investigated for completed with fairness and accuracy, but I don't agree. 


XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX Experian ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the follow circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Did I give you written instructions to furnish this account on my credit report? 


Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to Section 1681S-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Delete* the above late payments that were addressed ( not the entire account ), this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced late payment from this account, and send out a free copy of my report after the changes have been made may result in legal actions being taken against your company, for which I may be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act [ 15 USC 1692g ] violations Fair Credit Reporting Act [ 15 U.S.C. 1681n ] Best Regards, XXXX XXXX Best Regards, XXXX XXXX
Product: Checking or savings account

This bank is one of my few financial agency that failed to secure customers ' security. Both the bank and credit card service did not implement 2 step/factor authentication. My repeated calls, emails, secure messages requesting implementation of 2FA have been neglected and refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Checking or savings account

Signed up for Simple bank account Goals account offer on XX/XX/2019 and deposited {$10000.00} in the account. Was supposed to receive {$150.00} bonus in XXXX but did not. Contacted company and they stated the XXXX promo had a XXXX cutoff. 
There was no time listed in their offer and I opened the account online. My XXXX statement shows the account was created on XX/XX/XXXX as required. They had a new promo that started on XX/XX/XXXX that paid {$250.00} which I didn't get because the account was created on XX/XX/XXXX. 
I feel extremely cheated from this bank. They have had my {$10000.00} in their bank for months now. 

Thank you for your help. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect information on account that I had with XXXX a car loan they are reporting it as a write off a charge off a bankruptcy and none of this is correct and harming my credit. then have the check for {$4500.00} posted to account with a balance of XXXX. Car was totaled in a car accident in XX/XX/XXXX insurance company provided check to XXXX for payout of XXXX XXXX XXXX. I have disputed this before with Experian but they report a lot of inaccurate information all the time.and they never fix issue
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase Bank , N.A . is incorrectly reporting a XXXX  days late payment on my credit reports ( to all three credit bureaus ) since XX/XX/2022. This is a complete error on their side and they are failing to correct it. I attached my credit reports and you can see that I have a perfect record, never once missed a payment in my entire life and I have paid my accounts on time since I have a credit history in the United States ( XXXX  years ). You can also see the error which is the late payment report by JP Morgan Chase Bank , N.A . for XX/XX/2022. 

According to the Fair Credit Reporting Act, JP Morgan Chase Bank XXXX should remove incorrect and inaccurate information from my credit report. I have contacted JP Morgan Chase Bank, XXXX, spent hours over the phone and their representatives are completely unhelpful and unwilling to fix their error even though they acknowledged that this is an error on their part. They acknowledge that I paid on time on XX/XX/2022, the information reported is a complete error and yet they not doing anything about it. 

This error on my credit report is costing me, my wife and XXXX  XXXX  daughter massively as we are getting a mortgage and our rate would be unjustly affected by this. The whole situation is unfair and devastating. 

The scary thing is that this would have gone unnoticed if we were not applying for a mortgage and nobody would have deleted this incorrect information from my credit file.
Product: Student loan

I have an ongoing issue with XXXX. I have a case open. Now they sent me a letter saying I am delinquent but the account page says no payment is due. The letter was generated 3 days after my last payment.
Product: Debt collection

MCM , Inc. continues to pursue me in a matter that was dismissed in the XXXX XXXX XXXX XXXX XXXX Arizona on XXXX/XXXX/2014. The company continues to negatively report a debt that I do not owe to the credit bureaus.
Product: Debt collection

I took out a private student loan from XXXX in 2006. My original balance was around {$13000.00}. Now XXXX XXXX owns my loan and telling me I owe about {$34000.00}. I do not feel this is right and I need help with this. I ca n't get in contact with XXXX XXXX to see where they came up with the figure. XXXX services the loan, which they take the payments, but send me this ridiculous paperwork of accruing hundreds to a thousand dollars of interest a month.
Product: Debt collection

the collection was added to my account as a newly opened debt from XXXX, I am not sure when it was open but it was before XXXX. I have disputed this with all credit bureaus but they say the debt is valid. They are not even reporting accuracte dates or amounts.
Product: Vehicle loan or lease

The issue is with Kia Finance. Due to the pandemic, I was unable to pay my installments due on XX/XX/XXXX and XX/XX/XXXX. I contacted Kia Finance starting XX/XX/XXXX to request the payment to be deferred and they said they would be deferring my payment to the end of my loan. When I called on XX/XX/XXXX to do the same, they said that my prior payment, which was supposed to be deferred was extended so I needed to call again to request my XX/XX/XXXX payment to be deferred too. After that, I have called and spoke to the customer services agents multiple times ( I am not exaggerating when I say I called more than 20 times ) At the end of every phone call they agents would say that my payments were being deferred without penalties to the end of my loan. I was able to restart making my payments on XX/XX/XXXX so I paid XX/XX/XXXX installment online, as before the pandemic, counting that my other two payments were deferred. My online account didn't say anything about my account being past due. On XX/XX/XXXX Kia Finance called saying that I was late 2 months and I had to make a payment of a XXXX and dollars and something else, and that is not counting the upcoming installment that is due. After more than an hour phone call, they said that now I only need to pay XXXX, that includes XXXX late fees and if I wanted I could call another phone number and ask for assistance at a different department. They expect me to pay this month {$1000.00} to have my account current which include XX/XX/XXXX installment ( XXXX ) that I have scheduled to pay on XX/XX/XXXX and XXXX for a prior LATE payment with LATE PENALTIES, which should have been deferred to the end of my loan without penalties. I called the number provided ( XXXX ) multiple times since XX/XX/XXXX and no one answers, they computer answered and put me on hold for 45 minutes before getting disconnected. 

Today, XX/XX/2020, I spoke over the phone with XXXX ( ID XXXX ) she said that my XX/XX/XXXXpayment was applied to a prior installment, one of the ones I requested and they agreed to be deferred, therefore I am late and I need to pay late fees. After 2:06 hours on the phone she said that she would send a request to have someone else calling me next week.I have heard this before and they NEVER call me back. 


So at this point, I need them to fix my account. I should have those XX/XX/XXXX and XX/XX/XXXX payments deferred WITHOUT LATE FEES to the end of my loan. And if I need to make any payment now, I will find the funds to pay for it WITHOUT LATE FEES. It is not right they are profiting for mistakes they made.
Product: Credit card or prepaid card

I was initially charged for {$5100.00} in XXXXXXXX XXXX XXXX  for an unauthorized purchase. I had contested this charge and received no relief despite being clearly fraudulent. I recently received a charge back after once again disputing the charge this time to CFFB. The address, phone number, shipping address and email address used for the purchase do not match mine that was on file with discover. Clearly this was a fraudulent charge and Im being forced to pay for something I didnt purchase. Please help me resolve this clear case of fraud and absolve me of someone elses debt.
Product: Student loan

I registered as a stufent at XXXX college. I was unhappy with the school and decided I wanted to withdraw. I approached the office and ask what the procedure would be and they told me I needed to see a staff member by the name of XXXX XXXX. I proceeded to do so and filled out all the appropriate paperwork. I was told I would not be charged since I only took XXXX class. Apparently XXXX XXXX was let go the following day after my withdrawal and did not complete my withdrawal so they proceeded to not only leave me registered they also signed me up for other semesters and charged me. I approached the school and they acknowleged their error but the principle XXXX said there was nothing they could do even though they clearly acknowledged they Made the mistake. They also tried to accuse me of taking courses and being in attendance which was an utter lie and they made the mistake of saying i attended a class during a time where i had proof I was not even in the State the entire month. I was basically told sorry and too bad your stuck with the debt so pay it or have bad credit. I have a family and I want to buy a home. I did not take these courses and followed all the right actions. This has truly hindered my credit rating and ability to purchase a home. I feel helpless and like I have no one to protect my rights.
Product: Credit card or prepaid card

Bank of America transferred somebody else 's charge account to my name and address some time in XX/XX/2021 but I did not realize this until hearing of the law suit. On XXXX, I received a court summons from the Bank of America suing me for not paying the other person 's {$13000.00} delinquent account. I called Bank of America on XXXX & XXXX to open a fraud alert but their representative said I could not, due to it being over a year old. I never made any of the claimed purchases. 

On XXXX, I mailed a complaint letters to the Florida Attorney General and to the Florida XXXX XXXX XXXX XXXX, Division of Financial Institutions. On XXXX, I open a local police investigation. On XXXX, I mailed a complaint letter to the Office of the Comptroller of the Currency, XXXXXXXX XXXX XXXXXXXX. On XXXX, I hired an attorney to represent me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to XXXX. I've opted out of XXXX and requested information from Experian on where what the data source. I received a letter stating XXXX. Under FCRA, i have a right to the know the data source. The courts also sent a letter stating they don't not supply public records. There is multiple inaccuracy and thus needs to be deleted.