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

The dates that are showing late is one payment the first month of XX/XX/XXXX when the payment was made by your phone on XX/XX/XXXX I contacted them on XX/XX/XXXX to see why they hadnt gotten payment and advised them that my accounts have been breached and they should be paid. They were paid, but they have failed to provide me with the information that indeed I made a telephone payment on XX/XX/XXXX Ive requested this information three times. Ive also advised them that I am a consumer that I have rights that currently my XXXX XXXX XXXX XXXXXXXX. I did it in front of my father prior to his XXXX and they just have an advocate person. Call me and tell me what theyre not gon na do, but they are not proactive. They are reactive and Im repeating myself over and over again for them to produce evidence that I did not make a phone payment because how did they get payment? I also indicated to them that they have gone back-and-forth and putting bad remarks on my credit report ever since SunTrust bank and Truist merged XXXX In addition they put a late payment in XXXX and I have never been late on this mortgage in 17 years nor have I refinance or had any problems since they had emerge so I have reoccurring information appearing as well as a late payment that is erroneous and bogus due to fraudulent activity that their consumer department does not do the research and refuses to provide me with information on how they got the payment. It needs to be removed immediately because it is affecting my ability to obtain credit
Product: Credit card

I was flying XXXX XXXX XXXX flight and XXXX said i needed to have a return flight so they forced to buy areturn flight to get in my flight going. I flew to XXXX and and I stayed 11 days. I as I was checking in for my return flight, I didn't see my ticket and I called them and they started that I don't have a return ticket, which forced me to buy a higher ticket flight on my bank of America credit card for {$500.00} plus dollars. They told me to talk with the XXXX when I return which I did. When I landed at XXXX I spoke with the manager and I told them what happened and they agreed something was wrong and they would have to do their research. They said they would contact me that Monday, which they never contacted me. I told them if i don't hear from them I would dispute this charge with my bank and they said ok. I then disputed it with BOA and it still and I was told they would refund me but to this day it has not been resolved nor had the charge been refunded.
Product: Mortgage

Our Mortgage was sold to Green Tree Servicing in XX/XX/XXXX in the process at the time we was in chapter XXXX and I talk to someone at Green Tree and I ask them once we become discharged can they refinance my home because our APR is 10.50 and she said they will see well we was discharged in XX/XX/XXXX so we had some hardship my husband lost his job XX/XX/XXXX they gave me a deferment but the problem with that was my husband is a truck driver and the weather was bad last winter when he found another job so I had pay things by myself so I get tired of Green Tree sending people to the house trying collect a house payment so XXXX XXXX I talk to XXXX XXXX at XXXX XXXX XXXX and she talk to Green Tree trying get our house payment modified but they said they could n't do it because our home is XXXX XXXX XXXX and they do n't do government loans and we had to do in house get our home modified and the lady we need talk too is XXXX at XXXX EXT XXXX for modification and she the only person that can handle I call this lady about XXXX times a week and leave message but she do n't return no calls so I spoke to someone at green tree and the answer they gave me is keep trying because she the only person that can handle my loan please look into this for me because it do n't showed on my credit that I do own a house my account representative is XXXX XXXX at XXXX ext. XXXX account number is XXXX and I be talking to her so I ask for another deferment to catch our payments up and her manager did n't approved it they tried place me on payment plan to pay XXXX for XXXX months I ca n't afford that my payment a month now is XXXX the reason why they did n't approved it because we not facing any hardship and they hate waste a deferment when we do n't need it
Product: Credit reporting or other personal consumer reports

I have not had access to my Experian account for a few years. I now have access and all my personal information was wrong I have been on the phone getting It corrected. I also noticed multiple accounts opened that were not mine and I am in the process of getting them removed.
Product: Credit reporting or other personal consumer reports

Good day, I am writing and sending this complaint with absolute certainty and extreme frustration as there are a lot of errors on my credit report. This is already deleted by both XXXX and XXXX yet you continue to put this false and inaccurate information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer.
Product: Mortgage

NewRez has an insurance department, I received a letter from them stating that they had purchased insurance on my behalf, the insurance they purchased a couple of days ago they said is for me to have coverage for Last Year from XX/XX/XXXX to XX/XX/XXXX, they said that they will take the money from my escrow account, I never agreed to this, never gave consent nor did I signed any documentation. I have called them several times asking how and why are they purchasing insurance for a year that haas passed, insurance companies can not backdate coverage is unethical, illegal. I asked for documents of coverage and contact information for the insurance company, they put me on hold for over 10 minutes to find the name of the supposed company that sold them backdated insurance coverage, the said the name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX I asked for a phone number... they put me on hold for an extra 10 minutes to let me know they DID NOT have their phone number, spoke to different reps trying to solve this issue and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found a phone number, I called them gave them the supposed insurance policy number XXXX and XXXX said they did NOT have that policy, that it belonged to XXXX XXXX , ( NewREz Ins. Department lied to me ) XXXX transferred my call to XXXX XXXX, I gave them Insurance Policy number to find out more about it, and they said the same thing, that it belonged to a different company called Shellpoint, they gave me the phone number and also transferred my called to them and guess WHAT!!!! Shellpoint is the Insurance Company that works with NewRez, which is the Ins. Company that sent me the letter and told me they purchased backdated insurance from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX conclusion is that they are pretending to purchase insurance on my behalf from a third party insurance company and getting the money for themselves. I yesterday I called NewRez directly instead of talking to their insurance department and the Loan Concierge, misname is XXXX XXXX said that backdated insurance can not be purchased anywhere, he said to called their Insurance Department and asked them how and why are purchasing insurance for a time that already PASSED and why are they " billing '' me. XXXX XXXX submitted a Complaint the number is XXXX I have recorded all the conversations I had with all of the reps. Last time I called the NR Ins. Department the lady refused to give me information and hang up on me. ( recorded )
Product: Mortgage

On two occasions I have spoken to representatives of Shellpoint Mortgage in reference to setting up a repayment plan, once in early XX/XX/2023 and once in mid XX/XX/2023. Both times I was interviewed about the issue I was having that led to missed mortgage payments. After answering all questions, giving all financial information and contact information, I was told that a representative would contact me soon. I was also given the name and email address of the representative : XXXX XXXX, email address : XXXX. After waiting weeks and not receiving a phone call, email or mailing from the representative, I decided to send an email to her. To my amazement the email address was not functional. The representative could not be reached by email. I also sent an email to XXXX, and have not gotten a reply. 
Making contact by phone has been just as frustrating. When I call, I am never connected to a person who has any idea that I have an application on file or who can connect me to XXXX XXXX, my original Shellpoint contact person. As I write this complaint, I have been on hold with Shellpoint for 44 minutes!!!! It seems like they don't really want to help me bring my payments current. It seems like they want me to lose my home to forclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was unauthorized reopening or fraudulent extension of an account in my name, by my younger sister, during the time she lived and on occasion house sat for me. Along with other things, this was hidden from me. reluctant to at first, I did eventually report this to the bureaus. The company name is XXXX, was originally " charged off '' in the amount of {$2400.00} and was sold to a company named " XXXX XXXX ''. Equifax did remove the associated company XXXX XXXX XXXX XXXX from my report, but never removed the parent company ( XXXX ) where the debt came from. After initially complaining to CFPB, Equifax updated the account again, to reflect, {$0.00} balance owed, {$0.00} past due and relocated it to the closed account section of my report. I appreciate that because at-least I'm no longer being affected negatively by it.The problem that I have is that a fraudulent account or charge shouldn't ' be on my credit report, whether it be positive or negative. Each time I dispute, I'm told the company verified the info. If that were true, why remove XXXX XXXX? And how are different are the verification processes for XXXX  and XXXX? Both companies removed both of the above mentioned many months ago when I first became aware and reported this.
Product: Mortgage

Where is my money? 
I have 30 years ( fixed rate ) mortgage with Wells Fargo. Loan # XXXX. I have to pay my mortgage by XXXX every month. In XXXX 2016 my mortgage payment was {$1200.00} and on XXXX/XXXX/2016 I paid {$1200.00}. Additional Principal Payment is {$31.00} and that money is lost. Store Manager of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX ) told me sorry we can not help you, we do not have that department and we do not know where is that money, call our mortgage consultant if you have any question. I have Transaction Receipt and it showing '' Total Payment {$1200.00} '' ; Wells Fargo cashed my check on XXXX/XXXX/2016 {$1200.00}, but they sent me Transaction Statement for Payment received $ XXXX.I want to know Where is Additional Principal Payment???
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I received an alert from XXXX ( an identity protection service ), that a company viewed my credit report, resulting in a hard inquiry. The inquiry was from XXXX. 

I however did not apply for any form of credit so was perplexed and alarmed by this. 

After doing some research, I found that this happened to a lot of people on the same day. See this thread on XXXX : https : XXXX I have tried to call both Transunion and XXXX, but no one gets back to me ever. I want this inquiry removed as it was unauthorized and thus, unlawful.
Product: Debt collection

I have called Southwood Financial Trust ( https : //www.swfin.com/ ) for almost 6 months. I have gotten no communication either written or verbal. They have neglected to verify and/or validate the debt.
Product: Credit reporting

I have previously sent ChexSystems 3 requests all via certified USPS registered mail to the mark on my file from XXXX XXXX XXXX, under the Fair Credit Reporting Act and Fair And Accurate Reporting Practices Act and all I received was copies of bank statement of the alleged account that they say belongs to me. Their letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. 

I contacted XXXX XXXX XXXX and they do not have any proof that this account belongs to me. 

How can ChexSystems verify this information without proper documentation. Bank Statements do not serve as proper method of validation according to the FTC. ( 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ) ChexSystems has yet to correspond with me via mail and is in violation of several State and Federal laws. 

I have tried opening a bank account today and was denied because of XXXX XXXX XXXX showing up on my ChexSystem File. Accordingly, I can show a judge that these accounts meet the guideline for the removal/inaccurate and that you violated the Fair and Accurate Credit Transactions Act and several other rules and regulations, state and federal by ignoring my requests to investigate the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a collection notice and a report on my credit reports regarding a debt from XXXX XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX and do not owe a debt to this company or a XXXX XXXX. I do not know who these companies are. This is identity theft and I have attached affidavit to support.
Product: Checking or savings account

I set Up autopay with my debit, for some reason USAA stopped the payment. This caused a {$190.00} late fee from my apartments. 

Upon talking to customer service rep, she couldnt tell me why it was stopped. She also said they wont cover the late fee.
Product: Credit card

I have already sent in a complaint here is my complaint ID XXXX. I didn't ask for the promotion on the card and didn't even know i was even in one. Then I get on my account and see that you charged me XXXX XXXX in interest and my refund was gone. This was not ethical at all and I feel like I was taken advantage of. I am a good citizen and I work hard and pay my bills and normally wouldn't even report it but I feel like It was done on purpose. How can you charge me these amounts when i didn't even ask to be in the promotion. This needs to be settled it was unfair I am not saying pay off my entire account I believe i deserve the interest back from the promotion. When i went to talk to customer service they cancelled my account and put me on a payment plan when I said no.
Product: Debt collection

Portfolio Recoveryhas been calling daily for the last 3 years. When I used to answer just a recording, tried calling back nothing. When I block one number they call back using a different one.
Product: Credit reporting, credit repair services, or other personal consumer reports

While analyzing my credit I noticed a fraudulent account was opened using information of mines that was compromised last year. I've tried contacting transunion directly but after numerous attempts I have not been able to receive any help or services from them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. 
Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For 6 months now my mortgage payment has not been applied correctly,  they are applying my mortgage payment wrong each month and then not sending me an invoice and putting me into collections.  I have called each month and they say it will be fixed but then the next month it happens again.  I have wasted countless hours on the phone with them but they keep on doing it.  I send my payment in as soon as I get the invoice with a small amount extra to be applied to principal,  it is all on the invoice.   They are going to cause me to have credit issues as this has been on going. This issue is with Fifth Third Bank.  They are completely incompetent.   How do I proceed as they are not fixing it.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX I was reviewing my report and noticed that I have fraudulent accounts reporting to my credit report. XXXX XXXX XXXX is tremendously hurting my credit report and needs to be deleted. I never applied or opened this account
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan account with XXXX is reported as sold to XXXX XXXX XXXX XXXX XXXX XXXX, a separate complaint was made against XXXX. The terms of XXXX  loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to XXXX XXXX, the parent company by the name of XXXX replied to complaint which I copied below, their rep states record does not show any account with XXXX XXXX. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

XXXX response : We are unable to locate a XXXX account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.
Product: Money transfer, virtual currency, or money service

I entered into a merchant services agreement on XX/XX/ with XXXX, through an individual named XXXX XXXX who represented himself as part of a company called XXXX XXXX XXXX The agreement stipulated that termination must be completed using a form provided only by XXXX. I sent notice of termination of that agreement to XXXX XXXX on XX/XX/, which was acknowledged by reply email stating that he would send the termination form. The form was never sent. The agreement also stipulated that if it's terminated within 45 days of inception there will be no termination fees. Now that XXXX XXXX has XXXX the termination form past 45 days the termination fees will incur. It should be noted that I interacted with no other individuals beside XXXX XXXX and representatives from his company XXXX XXXX XXXX. I was never given contact information for XXXX or a company, XXXX XXXX XXXX, who has sent me a default notice threatening collection based on fees charged by the agreement that XXXX XXXX should've cancelled on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX on XX/XX/2020 stating that I owed {$2300.00} to a company called XXXX for an XXXX. I was confused at first and then stated to them that I never made this purchase. I filed an identity theft report with the FTC and sent letters to both XXXX and XXXX XXXX that I did not make this purchase and that I was a victim of identity theft. They sent me a lease agreement that I have never seen and it did not have my signature, but a digital signature with an address that I never lived at or recognized. I looked up the address and it is for a hotel. So without a confirmed address or Social Security number or drivers license how can a legitimate company give someone property in my name and expect me to pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I drafted a notarized affidavit of truth outlining the various violations and that of the federal law of 15 U.S. Code 1605 and 15 U.S. Code 1692 and 15 U.S. Code 1681b. I sent this notarized affidavit of truth on XX/XX/2021 via priority mail and I respectfully requested a notarized affidavit from a senior executive notarized by that senior executive confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not have come in the form of a letter response as an affidavit of truth can only be rebutted line for line by the form of a notarized affidavit. If there is An Unrebutted Affidavit the affidavit Stands as Truth. It has been well over 30 days and I havent received any notarized affidavit rebuttal. I feel like I am being taken advantage of and being ignored of my affidavit.I demand XXXX XXXX XXXX Account Number : XXXX and all Non account holding inquiries over 30 days old be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten Into the hands of the wrong person.