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

I payed my balance off in full. I called the company to confirm this. They told me it was paid off in full. I was not aware that they claiming that they received the payment late in spite of sending the payment on time. I was travelling and out of the country so I was unaware that there was a {$25.00} dollar fee that has destroyed my credit scoer. So in spite of having paid the balance in full and confirming it. I was charged a late fee and was unaware.
Product: Mortgage

This is the second time XXXX XXXX relief denied my Mortgage relief request, I applied for Mortgage relief from XXXX XXXX relief two times and every time they take 30 days of time to process the relief, and I was trying to work with Newrez Mortgage. 

Even I received a letter from Newrez Mortgage last month that they will let the XXXX XXXX relief know that my balance is XXXX ( Please see the letter attached ) and I could pay them the rest of the balance on the Mortgage later, but when XXXX XXXX relief Program contacted them, Newrez told them that I owe " {$18000.00} '' to them.

I am very dissapointed with Newrez regarding this. Because of Newrez careless, I was denied the benefit from XXXX XXXX  relief two times.

Numerous phone calls and emails were sent to Newrez regarding this, everything went above their head. They dont care about their clients at all.

I don't have full money to pay for the Mortgage and Newrez is taking it as a joke, endless number of phone calls, speaking with Supervisors, emails were sent to them, all the effort went to thin air. This is completely nonsense and nothing else. 

XXXX XXXX  relief is also short on funds now, so it was easier to get funding from them in the beginning but now it will be harder. 

I have sent this information to all news agencies and Human rights department against Newrez LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX. 

Account # : XXXX I moved XX/XX/2019 from XXXX XXXX XXXX XXXX DE XXXX to : XXXX XXXX XXXX XXXX DE XXXX They never sent me a single statement in the mail to my old OR new mailing address after moving. I even have a mail forward setup with USPS. I also get a screenshot in PDF format of every single piece of mail sent to my old address ( I still own the old address, it's still on the market for sale ). 

They reported me 60 and 90 days late on my credit report and never gave me a single statement, nor did they notify me at all of any credit reporting going on. I found out by applying for a XXXX credit card and getting denied completely ( my credit score is typically above 800 ). 

They violated the Fair Credit Billing Act and cost my credit score almost 200 points, literally just for not giving me any statement AT ALL. I called and paid in full as soon as I found out. The worst part is, I had AUTO PAY setup the whole time!!! They weren't running the auto payments! 

The staff at XXXX XXXX XXXX told me it was my problem and to take it up with Transunion. 

Transunion did absolutely nothing at all other than say the information is accurate.
Product: Checking or savings account

My account of XX/XX/XXXX was hacked and someone tried to steal my identity and my money. There were fraudulent charges made to my account, and Chase Bank did not contact me to verify my information. They accepted checks from XXXX XXXX Bank that I have no correlation with. They did not check my signatures in the data base and now the bank wants me to pay them back for charges I did not commit. I've been calling chase bank multiples times speaking to multiple representative the last two weeks starting from XX/XX/XXXX and they were not helpful. There were XXXX claims made to chase by the hackers. XX/XX/XXXX XXXX 2025 the bank has put my checking account balance XXXX dollars and my savings account XXXX because they did reversals on the money they sent to the hackers. It is very unfortunate that chase has not been calling me regarding any of the mislead information regarding claims and taking my hard earned money out the account. I will never bank with chase again.
Product: Mortgage

On XX/XX/XXXX I received my income tax and paid my mortgage through XX/XX/XXXX. When I went to my account I saw they had withdrew 6 payments and leaving my account in the negative as well as paying mortgage through XX/XX/XXXX I called ( 10+ ) and went to the branches 4 times to have the 2 extra payment refunded to my account as well as get the the account to reflect correctly. Instead they refunded all the payments accept for a payment in the amount of XXXX in which they still have. And then sent me a letter of intent to foreclose on the XX/XX/XXXX. The payments due are XXXX for the XX/XX/XXXX payment to make it a full XXXX. ( XXXX plus XXXX ) and then the payment went down XX/XX/XXXX and XX/XX/XXXX to XXXX. I have tried 4 times since all this has happened to pay the XX/XX/XXXX and they returned the {$27.00}. They are not accepting transfers and I can not pay in the branch. I have sent them a certified check on Thursday. And I have to wait to see what happens.
Product: Credit card or prepaid card

To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
5. XXXX XXXX XXXX XXXX XXXX, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX - XXXX - XX/XX/year> - {$5000.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/year> I sent XXXX XXXXXXXX a letter asking for validation of debt in the amount of {$3900.00}. They could not provide me with validation of the debt ( a binding agreement ( contract ) signed by me and XXXX XXXX. Attached is their response to the letter. Based on the information they sent, page XXXX of the attachment states XXXX XXXX as the original creditor and not XXXX XXXX XXXX. XXXX sold this debt to XXXX  XXXX which is a violation of 15 USC 1692 ( d ) ( 4 ). Also attached are the letters I sent to XXXX and XXXX asking for the documents they have on file to validate this debt. Neither XXXX or XXXX could validate this debt with again a binding agreement ( contract ) signed by me and XXXX XXXX. So, since both XXXX and XXXX refused to remove this from my credit report, the taxable event has been reported ( XXXX attached ) with the IRS and XXXX debt has been satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has on ( Regular Inquiries ) Requested On XX/XX/XXXX -- - XX/XX/XXXX -- -XX/XX/XXXX -- - XX/XX/XXXX -- - XX/XX/XXXX there should not be Hard Inquiries from XXXX XXXX back to back as XX/XX/XXXX & XX/XX/XXXX back to back that's a heavy impact and should not be done I did not apply for credit on all these days and why 2 days apart that was a hard impact on my credit. 

TransUnion is at fault for 2 day back to back impact that is not by law considering I was not applying for credit
Product: Credit reporting or other personal consumer reports

****Experian has a collection on my account with XXXX XXXX XXXX XXXX creditor : XXXX XXXX  with Account number XXXX. I have sent them XXXX letters since XXXX of 2024, I also advised them the signature on this account is not my signature it is a digital signature. This is a violation of my consumer rights and have asked them several times to remove these items. 
*XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX **** Equifax has a collection on my account with XXXX XXXX XXXX /Original creditor : XXXXXXXX XXXX XXXX Account number XXXX. I have sent them XXXX letters since XXXX of 2024, I also advised them the signature on this account is not my signature it is a digital signature. This is a violation of my consumer rights and have asked them several times to remove these items. Also they have XXXX XXXX XXXX/Original creditor : * XXXX XXXXXXXX XXXX  XXXX XXXX on my account and it was removed but was placed back on their. This account number is XXXX ****Transunion has a collection on my account with XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Account number XXXX. I have sent them XXXX letters since XXXX of 2024, I also advised them the signature on this account is not my signature it is a digital signature. This is a violation of my consumer rights and have asked them several times to remove these items. Also on this report is *XXXX Original creditor : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX *XXXX Original creditor : XXXX XXXX XXXX Account number XXXX
Product: Checking or savings account

I was emailed on XX/XX/2022 by Wells Fargo Fraud Detection. The email stated that unusual activity set off their Payment Card Fraud Alert. They included a few of the transactions and I realized I did not make them. I was not able to log into my Wells Fargo account online and so I called the number provided to inform them that I did not make the transactions. They said they would open an investigation as I was now overdrawn {$2100.00}. They declined to credit me while they investigated. I was due to be paid through direct deposit the following week and they said nothing could be done and that it would work to lower the overdrawn balance. XXXX weeks later they finished their investigation and declined to credit me.
Product: Credit card or prepaid card

Synchrony bank made the decision to close the XXXX XXXX XXXX accounts. Obviously with the bankruptcy of XXXX XXXX XXXX, that in itself is not synchronys issue. 
However, arbitrarily closing the accounts with no recourse for consumers ( shift to another open line of credit ), the closing of the account DOES IN FACT affect the consumers debt to income ratio and ultimately credit score. For an act that had no fault of the consumer. The individual card holder now pays for it with higher interest rates, denial of credit etc.. UNACCEPTABLE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Capital One because there is a charged off account of my credit report the listed account number is XXXX XXXX XXXX despite I have sent numerous times my ID theft affidavit Capital One has refused to remove this fraudulent account off my credit report. It is not mine I have not benefited from nor did I authorize this account to be opened in my name. I have asked for their documentation and they have refused to provide any other information other than canned responses saying there is nothing they can do. I have attached my ID theft affidavit once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Money transfer, virtual currency, or money service

I put money into Gemini years ago, since then they have blocked me out of my account and I am unable to get back in. Today I received a letter saying that my money will go to the state if I do not claim it. However, I cant claim it unless I get into my account, however, support has not replied to me, any of my attempts over the years
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called the company multiple times no resolution. Stated will call back they never do. Reach out to all credit bureaus and they tell me to dispute, which I have numerous times and no change. The charge off account has been continuously reported since being charged off XX/XX/XXXX. It Also is showing inconsistent balances across the bureaus! XXXX has the account to be opened XX/XX/XXXX, collection/charge off high credit of XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. XXXX has the account to be Paid and opened as of XX/XX/XXXX high credit XXXX payment status unknown last active XX/XX/XXXX last payment XX/XX/XXXX. XXXX has the account to be derogatory and opened as of XX/XX/XXXX high credit XXXX, collection/charge off last reported XX/XX/XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. The account has been settled for less than original amount but a balance still reflects the file. This account has caused me XXXX of dollars, a job and the ability to purchase bc of adverse history.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has reported a discharged Bankruptcy Chapter XXXX from 2012 that has an incorrect State and address. They have the wrong person. I have never in my life lived at XXXX XXXX XXXX, XXXX, KY, XXXX. Nor do I have any family or friends who live in Kentucky. This is 100 % not me. So this incorrect information needs to be deleted without fail. The reference number for this inaccurate report is XXXX. Date : XXXX
Product: Checking or savings account

On XX/XX/XXXX, I attempted to withdraw {$60.00} from an ATM at the XXXX XXXX XXXX XXXX XXXX in XXXX IL. No money was disbursed to me, but Chase ( the bank with which I have a checking account ) withdrew the money from my account. After filing a claim with Chase, they told me they believe the transaction occurred because the owner of the ATM said it occurred. They therefore took the money from my account. This was a fraudulent transaction and I, as the consumer, am being told it is on me to prove that I did not receive funds. Chase offered no assistance and told me to contact law enforcement. Only IF law enforcement proves the transaction was fraudulent will I receive my money back. My complaint is that I am the victim of fraud and Chase is not supporting any efforts to fight this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my detailed credit report XX/XX/2023 and notice there were hard inquiries that do not have permissible purpose being on my credit report. These inquiries are hurting me as a consumer. I contacted XXXX, XXXX, Equifax to remove the inquiries on my credit report, after multiple attempt to informed XXXX that the inquiries were not approved by me, and I had no knowledge of applying/approving hard inquiry, XXXX, XXXX, Equifax still refuses to remove the hard inquiries. XXXX has violated my rights under 15 USC 1681b. I am requesting XXXX to remove the inquiries ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter requesting an investigation of inaccurate accounts found on my credit report. It has been almost two months and I still haven't received any results of an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding XXXX and Transunion. 
Both CRAs have stated that they have no knowledge of which account is being disputed. 
I have documentation from both companies alleging they have spoke with XXXX XXXX regarding this dispute and that the account was verified. I have requested all documentation used to reinvestigate this account. As it should have lawfully been investigated upon its first reporting.
Product: Student loan

My applications for loan discharge has been denied the first and second time because the school is listed as still open. Despite me providing proof from the XXXXXXXX XXXX  ( as per emails with the school administration and bursars office as well as the office of financial aid at the XXXX XXXX, where it clearly states verbatim from school financial aid department administration that the school closed XX/XX/2020. 


My loan server, as well as NYS federal student loan is repeatedly giving me contacted information phone numbers as well as emails where each phone number provided is a disconnected number. Emails are never responded to or bounce back as invalid or unable to deliver email to provided address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payoff/settlement agreed via letter dated XX/XX/19 - amount agreed {$14000.00} by XX/XX/19 to satisfy loan in full. Amount sent overnight and signed for received in accordance to offer - check cashed. Title never released. Eight months later after repeated requests for communication and explanation, still no title and loan balance on recent statement shows loan is still open. 
Loan has not been reported as satisfied to all credit reporting agencies as of this date even though the loan was paid in full in accordance to payoff agreement XX/XX/19. 
Still no communication or explanation from XXXX XXXX XXXX in XXXX XXXX PA after repeated written and verbal requests. 
My rights under FCRA have been violated and I believe fraud is involved. I need this resolved ASAP.
Product: Credit reporting or other personal consumer reports

these accounts do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$460.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$170.00}
Product: Debt collection

The original creditor of this account is XXXX XXXX XXXX and the debt collector is Nelson & Kennard. I learned about this account after I attempted to search the real estate market ; my realtor told me that I had to do a credit check and discovered a judgment against me placed by Nelson & Kennard regarding a fraudulent XXXX XXXX XXXX account. I contacted Nelson & Kennard and informed them that the account was fraudulent. I requested them to provide me with the original record of the application of this account, but they could not provide anything. Therefore, in good faith, I called Nelson & Kennard again to inform them that I want to find a settlement agreement as long as they remove the fraudulent account from my credit report and file a motion to dismiss this frivolous collection lawsuit despite the account not being mine. I just realized I was willing to settle a fraudulent account that's not mine to get things over with, yet they did not want to settle. I made a reasonable offer to them for {$1000.00}. If they're going to call and harass me again to find a settlement, my offer of {$1000.00} will no longer be valid. My new offer for them will be {$250.00}. They constantly harass me with phone calls and attempts of collection on a fraudulent account. They know that the account is fraudulent, yet they try to collect on a fraudulent account illegally.
Product: Debt collection

XXXX XXXX XXXX contacted me demanding payment owed to XXXX XXXX XXXX Asset Recovery Corporation and they quoted the beginning balance is due. The beginning balance goes back to the original lender XXXX XXXX XXXX. The written demand for payment indicates no payment since 2016. Which is absolutely not true! I expressed this to the customer service agent and I told him I would contact Asset Recovery to discuss it. He stated that they will just refer me back to him. I requested a letter in writing and what I received is what is indicated above, which is the wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account with XXXX XXXX for {$300.00} ( Acct # XXXX ) which appears on my Experian Credit Report. This account was paid in full many years ago and it was never updated as paid.
Product: Bank account or service

My bank consistently finds new ways to charge new fees. I am constantly checking my account because they attache fees that do not belong on my account and refuse to reimburse the fees and never give me a straight answer as to why the fees were applied even though my accounts are suppose to be exempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a letter saying I have a debt for {$870.00} from a XXXX XXXX account and they will send me to collection. Apparently they have all my personal information, but I dont understand how because I have never open any accounts in any bank. I think someone stole my identity. This account was open XX/XX/2019. So if you check my records you should be able to see that I have never open accounts in any bank. I dont have any idea of how credit card work beca Im no interested in debts with bank so I hope you guys can resolve my issue the best way possible and ASAP
Product: Debt collection

I send letters to the company LVNV funding asking for validation of these debts also send same request to resurgent capital send letters to companies on are about XX/XX/2024 and send again XXXX XXXX Account # XXXX Account # XXXX Account # XXXX This company keep violating my request and rights under 1006.34 Notice FOR Validation of debts