23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. 

Thank you! 

BR
Product: Debt collection

I sent a request to Source Receivables Management to provide proof of the collection bill they sent me for {$1200.00} with an itemized breakdown of how they came to this amount, and they failed to do so. This bill is negatively affecting and my life and credit, and it needs to be removed.
Product: Mortgage

PHH Mortgage is our mortgage servicer. They purchased our loan from the original company we initiated the loan from. Our mortgage is escrowed for our taxes and insurance. We pay the payment each month on time and it includes the escrow amount. The property taxes were due on XX/XX/XXXX. PHH had money in the escrow account but did not pay the taxes. 

Both my husband and I have called the company NUMEROUS times as well as sent in letters by email and mail. Once someone from customer service does answer the phone they end up transferring us to an " escalation specialist ''. The escalation specialist tells us they are taking a look into the problem. 

The property taxes are now 62 days delinquent as of XX/XX/XXXX. We have accrued {$160.00} in penalties and fees. The money is sitting in our mortgage escrow account and has been all along. Each time we call we get the runaround but nothing ends up getting resolved at this point.
Product: Debt collection

I am currently in the process of filing for an SBA to start a franchise and they are holding the loan in limbo until I can get " A COMPLETE REMOVAL '' of this billing. If not resolved this week they will have to release the property for our business and there are multiple franchises bidding for this property. I have $ XXXX cash of the $ XXXX needed. So when the loan was refused I got my credit report and had a few things that were of concern. Biggest concern was the NATIONAL CREDIT SYSTEM Original creditor : XXXX XXXX XXXX. They have a lease agreement with my son and his girlfriend but I did help them with the rent a few times. They ended up having to break the lease during XXXX. Both entities ( XXXX and XXXX  ) have reviewed the lease and agree that I was not on the lease but only listed as a tenant because I was helping them with rent and at times I would go there to take care of their dogs when working long hours. They have also agreed to send me the documentation stating these facts, which I will send as soon as I receive it. I have attached the final bill and the lease which has my sons name as well as his girls friends as the billed individuals. My name is not on the bill or the leases.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 1. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX account : XXXX
Product: Mortgage

Lenders are not honoring XXXX  modifications granted by the federal government. 

My loan has been bought and sold several times and the lenders are not aware that the loan was modified by XXXX XXXX while with XXXX XXXX XXXX. Since my Covid modification was offered and accepted, each time the lender will sell the loan to another and not include and of my modification paperwork. It appears as tho they are defrauding each other. 

Each time a new lender purchases my loan, they refuse to allow me to make payment. As reluctant as they are, I have still managed to get them to take payment each time and my loan is current. However, they keep processing my payments and then say that my payments have not been made. This has kept my house and good name on the foreclosure list now for an entire year. This has soiled my good name as a real estate investor in my city, and it continues to cause me distress. 

This is predatory lending. They are not honoring my Covid modification and I am on time. Every payment has been made up to this point. Each lender keeps selling the loan to another without including this up to date information or my modification. 

The lenders that are doing this are ; XXXX XXXX XXXX XXXX XXXX XXXX, and now Shell Point a division of newrez. 

Ive included a copy of my Modification granted by XXXX XXXX.
Product: Mortgage

Our house flooded in a hurricane and we made an insurance claim. The check for repairs was made out to both me and the mortgage company, Shellpoint. I sent in the required documents and the check to Shellpoint to get endorsed and the money back to complete the repairs. Per an agents advise, I sent the check ( for almost {$74000.00} ) overnight on XXXXXX/XX/XXXX and included an overnight prepaid return envelope to expedite the process. Shellpoint deposited the check into an escrow account. Several times I called to check the status and every time was told either they were missing something from me, ( which they never reached out, I had no idea they needed it and I quickly got to them ), or it was in review. During one call they said their was a question on one of the documents, but I had never been contacted. So then the timeline starts all over. Around the same time I got a letter stating Shellpoint was transferring the loan to XXXX XXXX. I called Shellpoint to inquire about our insurance claim and check and if it would also transfer. The agent advised that Shellpoint would continue to handle the claim. On XX/XX/XXXX Shellpoint transferred the money to XXXX XXXX ( unknown to me at the time ). On XXXX I called Shellpoint to inquire about the check again - a month after I had overnighted it! I was told the check was approved, they had my overnight envelope and it would be mailed in that envelope no later than Tuesday XX/XX/XXXX. On XX/XX/XXXX I called Shellpoint again because tracking was not showing the envelope enroute. I was then advised that the claim had been transferred to XXXX XXXX and I would need to now work with them. 

I contacted XXXX XXXX  and they did not have a claim and did not have any paperwork from Shellpoint. They did have the insurance money in escrow but didn't know what it was for. The loan was transferred on XX/XX/XXXX, money transferred on XX/XX/XXXX and as of XX/XX/XXXX XXXX has no documents or info? Plus on XXXX I was told the check was approved and on the way. It is now XX/XX/XXXX and I have to start the entire process over - to get my insurance money to fix the house. I overnighted that check on XXXX! 
Also, on the loss " instructions '' for both companies, it lists the exact same address for both companies, yet both deny being related to the other. oddly enough the instructions and procedures are exactly the same as well, so I am back to a long waiting process. The only difference in the documents I have received from the companies is the name on top and phone number. Mailing address for Shellpoint and XXXX are identical. So my documents, check, return envelope, etc should have had no problem finding their way to the new lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my transunion credit report and noticed some incorrect information on my credit report. There are a total of XXXX inquiries thats being reported on my credit file that I found to be incorrect. I believe someone used my personal information to apply for credit. 

XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Consistently putting in checks for withdrawal at XXXX at night, notifying me on texte alert at XXXX around XXXX or so the account is overdrawn. I then immediately either deposit that morning or transfer at around XXXX and then charge me an overdraft twice this has happened. the total is now {$72.00}
Product: Credit reporting or other personal consumer reports

I have always believed that financial institutions hold a moral responsibility to report information with absolute accuracy and fairness, yet I find myself in a position where my trust in that principle is being tested. The late payment reported on my account does not reflect my true commitment to financial responsibility, and I am deeply disheartened that such an oversightwhether by misapplied payment, processing delay, or lack of proper notificationcould unfairly tarnish my credit standing. I have made every effort to maintain good faith in honoring my obligations, and I now ask the same in return. If this late payment can not be indisputably verified with concrete evidence, then I urge you to do what is rightnot just procedurally, but ethicallyand remove this mark from my record. XXXX and integrity should guide this decision, just as they guide the trust between consumers and financial institutions.Creditor Name : XXXX Account XXXX XXXX name : XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has XXXX  my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.
Product: Checking or savings account

it is second time that I am complaining about this issue and still after more than 3 months from the time that the Citi bank closed my account, still i did not receive my remaining funds from my account. 
that is really frustrating and i contact them several times and every time they promise they will send new check and nothing happen yet. 

last time i contact them XX/XX/2023 and their agent provide another reference number for me. 
i am attaching their last letter and manually add new reference number on that. 

they cause a lot of damage to me and my family financially and I am not sure why they are playing with people and using their money and hold their money for several months. 
here is my account information. 

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

company reports that I was late on my auto loan payment 16 months in a row. The information they reported is inaccurate and false. I tried disputing with the directly and the credit bureaus such as Experian XXXX XXXX XXXX and they have failed to verified such allegations. no one is willing to help me or show proof that I was in fact late. each bureau has different count of days late the same month and year.

XXXX XXXX XXXX  Experian            XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as you can see nothing matches and the reporting on them are different on all 3 bureaus some are stating 30 days late but on another the same month and year says 90 days its absurd and need to changed to pay as agreed on all 16 months
Product: Credit reporting or other personal consumer reports

Please see outlined issue ( s ) below : Improper Handling of Reported Fraud Claim Misapplied Payment ( Date ( s ) Inaccurate ) On XX/XX/year>, I made an outbound call to XXXX at XXXX. I advised rep of Stolen Card and Identity. I also advised that the suspect had been apprehended. The rep escalated the call to the Fraud Division, who was not very helpful. I subsequently called back on XX/XX/year>, to report the same issue. Again, no representative was willing to remedy the situation. I finally contacted on XX/XX/year>, where the Fraud Supervisor reversed the late payment and returned check fees, and also logged the fraudulent charges It was then that I emailed the supporting documents : Police report Arrest Report Property Recovery Report I was assured that the matter would be handled. I made a {$120.00} payment on XX/XX/year>, via the web portal. I received confirmation via email stating that my payment would not process until XXXX XXXX. This was not my request and was incorrect. As I did not receive said email until XXXXXXXX XXXX PST, I was not able to call Customer Service to rectify ( they were closed ). I called Customer Service on XX/XX/year>, to ensure I would not be adversely affected by the system issue ( IVR states my account is past due when it is indeed current ), and was met with hostility, lies, and slander. The reps state that I did not submit fraud claim until XXXX XXXX whereas I have documented email and call log proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit score on Equifax last week and come to know that i have one collection which is un-paid since XXXX 2017 of XXXX XXXX XXXX. I am still in shocked to see this because i really do n't know who they are even i never visit them. I do n't have any type of medical issues. I am trying hard to maintain my credit since last 3 years that is the reason that i always getting good offers from different financial institutions but now i am loosing my credit points because of this un justify or fraudilant transaction of {$790.00}. Please look into this matter as your earliest. Your prompt attention in this respect will be highly appreciated .. Thanks.
Product: Credit reporting or other personal consumer reports

I tried to contact the company and they refused to remove the inquiries
Product: Money transfer, virtual currency, or money service

I have a crypto account with Coinbase pro and I usually use their app to trade or transfer money and check my portfolio but for the last 2 days I can not access my account through their Coinbase pro app on my XXXX. I contacted their support which are very incompetent and do NOT know what they are doing and are NOT capable of fixing my issue. And still till now I can not access my account and I have crypto in it and I have invested a lot of my money with Coinbase pro but they are not helping me access my account and they can not resolve the issue and I do not want to lose all my money
Product: Credit reporting

This item has been on there over 15yrs. The company went out of business yet I faxed over canceled check to collection agency years ago showing I paid the balance off. They continue to report
Product: Vehicle loan or lease

I got a loan for a lease that was aggressively attained. A {$15000.00} rebate was discussed and a {$2500.00} military rebate as well. I dont see these figures factored in the bottom line. I was offered a credit card not knowing I would have to pay back {$2500.00} by receiving the card. I later found out that the card was used as a down payment. Even though I left the deal believing everything was no money down! Im paying {$1400.00} for a lease which comes out to the price of the car, after seeing commercials about half as much for a lease. A warranty was offered conveniently after paperwork was signed, for another fee. I feel like I was overcharged and the so-called rebates didnt exist. Please help me! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX Known Alias : XXXX XXXX XXXX. Received notification on XX/XX/XXXX by XXXX  ID monitoring that new Collection has appeared on Experian Report. Collection shows XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX for amount of {$1200.00}. Original Creditor was XXXX XXXX XXXX. Contacted on XX/XX/XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. CSR was unable to locate the debt with my Name, Adress, or telephone number. Reluctantly provided my SS # to find out what this was about. XXXX asked for my date of birth to confirm Identity. Stated that Date of Birth they have on record does not match. CSR asked my legal name and if I knew a XXXX. I stated that it is my middle name. CSR stated that debt was not mine, the only match they had was a SS #, and it was for a person with a different name and birthdate. CSR stated would be removed from credit profile in 2-3 weeks. Contacted Experian to make sure was properly disputed as well as to place a fraud alert on my account. Was told by Experian that XXXX XXXX XXXX, is reporting the Debt for : XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX MO XXXX. Disputed the debt with Experian as I have lived at my current address for 6 years and have never had the alias XXXX XXXX XXXX. Experian dispute was completed as the debt is accurate on XX/XX/XXXX. Contacted Experian to redispute. Experian states that XXXX XXXX XXXX has updated the debt to my current address at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. Reopened dispute for debt with Experian on XX/XX/XXXX and Dispute name XXXX XXXX XXXX as not a known alias and the address for XXXX XXXX XXXX that will still showing on my profile. On XX/XX/XXXX open the mail and have a letter addressed to XXXX XXXX XXXX Marked personal and confidential from XXXX XXXX XXXX XXXX, NC XXXX. As this is not me I have put back in Mail as return to sender. Am beyond exhausted and frustrated. I have never recieved care from XXXX XXXX XXXX nor do I owe any known entity. Frustrated that the collection agency is slowing changing the debt to where it has more and more of my information and am concerned that they may have updated my birth date to the debt when I contacted them for verification. Was part of XXXX breach and had a similar issue in the past. Concerned that XXXX is using information contained within XXXX breach to attach a debt for XXXX XXXX XXXX, that has a similar name to mine, to my SS #. Do not know when original service was provided, but can provide further details of my schedule to prove that I was not provided the services by XXXX that XXXX is trying to collect. Also upon request can show Utility bills starting with when I moved into my current address to current.
Product: Debt collection

I keep being harassed by this company. They call my cell phone very late a night and they insult me and describe me as a " not a real man ''.
Product: Credit reporting or other personal consumer reports

I had a Home Equity Line Of Credit with PNC Bank that was paid in full and closed on XX/XX/. PNC bank returned an escrow payment to me in the amount of {$330.00} in XX/XX/2023. I did receive confirmation of this loan being paid in full with a {$0.00} balance. 
In XX/XX/2023 I received notice from PNC Bank that I was in delinquent status and I had a balance due of {$330.00}. I visited my local PNC Bank in XXXX XXXX NJ in an attempt to correct this and I was told that I am unable to make any payment on the account because the account is closed. I was advised to mail the alleged payment to the PNC payment center which I did on XX/XX/. On XX/XX/XXXX   the check was returned with a letter stating the account was paid in full and closed. 
I retrieved my credit reports from XXXX, XXXX XXXX and XXXX and noticed this incorrect account over due balance was being reported to all three agency which greatly affected my credit score. On XX/XX/XXXX  my XXXX credit score was XXXX, as of today my XXXX credit score is XXXX because of this error. I did dispute this with all 3 credit reporting agencys and have been notified that the information they received is correct. 
XXXX even changed the status of the account from closed to open and delinquent. 
I did mail a certified letter to PNC Credit Reporting department with supporting documents but have not had any response. I have talked to numerous agents with PNC that confirm this error but are unable to correct. 
Despite this account being closed and paid in full in XX/XX/, PNC Bank did collect a third payment attempt on XX/XX/XXXX  but has not reflected this payment on this closed account. Please Help.
Product: Payday loan, title loan, or personal loan

I took out a {$300.00} payday loan in 2018. I had no idea that the interest rate would put the amount owed to almost {$2000.00}. I can make arrangements to make payments on the amount that I borrowed but the extra {$1500.00}, is impossible for me to pay. I am a XXXX XXXX XXXX XXXX  veteran who is XXXX XXXX XXXX XXXX so being on a fixed income, this extra is impossible and seems to be illegal. Isnt there a cap on the amount of interest a company can charge. Help me please. The originator of the loan was Speedy cash now XXXX XXXX has taken over. Any help is appreciated. Thank you
Product: Vehicle loan or lease

On Sunday, XX/XX/XXXX my XXXX XXXXXXXX XXXX was repossessed through a 3rd party vendor via Bridgecrest Financial LLC. Any repo is a lien. The Truth in Lending Act protects me, I am the Creditor and the Lender, I am a SECURED PARTY CREDITOR with a UCC-1 FINANCING STATEMENT on file. Bridgecrest Acceptance Corporation is the DEBTOR. THE DEPARTMENT OF TREASURY issued a check for, XXXX XXXX XXXX Beneficiary, to pay for this car IN FULL and they have USED me to pay nearly {$600.00} a month for over a year to pay for this car that is already paid for. They have committed forgery, fraud, and conspiracy, I AM A PRIVATE BANKER and I have a trust account. I also suffer from XXXX.
Product: Credit card

Credit Card Application # : XXXX Inability to give me access to this account is securities fraud for withholding an extension to my own credit and will be notified to the SEC and FTC. Please retract my application from reporting to my credit profile if you are unable to acknowledge a completed application and give me access to this account as stated under the regulations of the Equal Credit Opportunity Act and Truth in Lending Act.
Product: Credit reporting

I 've called many times to the credit reporting agency to inform them these inquiries were not mine, that they were fraudulently. The agency are telling me to just let the inquiries fall off, but they do n't belong to me, so I want them removed.