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

I reviewed my consumer report and I noticed that I had 5 late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint on dates ( XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were later. If proof can not be provided I demand these payments be updated to PAID AS AGREED on time as they should be due to the fact I was never late! Thanks, PLEASE see screenshots attached
Product: Mortgage

Newrez/Shellpoint purchased my mortgage XX/XX/23 from XXXX XXXX. Since they took over we have made all required payments plus some extra principal. They claim we have not made payments even though we have provided bank statements showing withdrawals with control numbers going to them. They claim we have made only XXXX of the XXXX payments. Since taking over they have made XXXX entries to our payment history in 4 months. In a matter of 7 days in XXXX with XXXX of those entries being made in that span, we somehow went from XXXX payment behind to XXXX payments behind according to them. We have spoken to at least XXXX different people from company with over XXXX pages of notes without resolve. They are showing a higher principal balance than when they took over loan.
Product: Payday loan, title loan, personal loan, or advance loan

I WAS APPROVED FOR A {$150.00} PAYDAY LOAN AND ON THE AUTHORIZED FORM I RECEIVED BY EMAIL SHOWED A REPAYMENT DATE OF XX/XX/year>. INSTEAD THEY WITHDREW THE REPAYMENT AMOUNT ON XX/XX/year> AND NOW I WAS CHARGED A {$29.00} COURTESY FEE WHICH IS A CHARGE FOR OVERDRAFT FEE AND NOW MY CHECKING ACCOUNT IS XXXX DOLLARS.
Product: Vehicle loan or lease

I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Product: Credit reporting or other personal consumer reports

My account updated on XX/XX/2024 but Transunion didnt correct my balance. Which is illegal. I will go after them for reporting inaccurate information data.
Product: Credit reporting or other personal consumer reports

My Only name and My Only address is what's listed on this complaint. 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER XXXX I was hospitalized due to XXXX on XXXX XXXX. 
on XX/XX/2021 i called XXXX XXXX to notify them of my hospitalization and ask for an extension or forbearance for the upcoming XXXX payment which was due between XX/XX/XXXX and XXXX XXXX i was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. on XX/XX/XXXX following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the 3- day late deleted from my credit report
Product: Credit card or prepaid card

On XX/XX/2020, Capital One Credit Card charged me for the amount of {$65.00}. I do not recognize nor owe this transaction. On or about XX/XX/2020, I wrote a dispute letter to Capital One Credit Card to dispute this transaction.On or about XX/XX/2020, I called Capital One Credit Card to dispute this transaction. Also on the Online Posted Transactions page, Capital One Credit Card does not allow me to dispute. Until now, Capital One Credit Card refused to resolve this problem.
Product: Debt collection

The collection agency did not provide me with the original contract and payment receipt as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. I am listing the inaccurate accounts below XXXX ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX I have filed an FTC report and I will file for litigation due to the stress caused in this matter if not resolved immediately.
Product: Mortgage

Im trying to pay off my mortgage in full by means of a check issued to myself & Nationstar from my insurance company XXXX XXXX. Im having problems getting them to resolve how to get the {$25000.00} that was over the mortgage payoff ammount. First they claimed to have recieved the check but lost the notorized paperwork that was sent with the insurance check. After I faxed the paperwork they lost when I called back Customer Service said the Loss Department was the next step & transfered me to the Loss Department. The Loss department said that this had to be handled by Customer Service & transferred me back to Customer Service. When Customer Service answered again they tried to send me back to the Loss Dept. I requested to speak with a manager several times but was put on hold for up to 20 minutes & never got to speak with a manager. This has been going on for 3 days now & Nationstar will not resolve or even acknowledge this issue.
Product: Mortgage

We closed on the sale of our house on XX/XX/year>. Their was an over payment on the escrow account of XXXX. The mortage company Atlantic Bay Mortgage said they mailed us a check for the overpayment. We never received a check only other correspondence from Atlantic Bay Mortgage. We called and in XXXX they said they would mail another check We waited the 30 days again and no check. So XXXX we called again they again said they would mail another check. We waited and again no check. This time when we called they said they would overnight us a check. It has been another week and still no check. We are just getting the run around. As of tomorrow it will be 90 days and still they haven't returned our escrow money.
Product: Consumer Loan

This is a formal complaint that you are reporting inaccurate information on my credit report that is damaging my score. 

I paid this account thinking it would help my credit and be corrected but it did the opposite. 

Here are the inaccuracies or the inconsistencies between all there reports : Account Status : XXXX - Derogatory XXXX - Paid XXXX - Derogatory Terms : XXXX - 72 months XXXX - 72 months XXXX - 0 months Last Reported : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Comments : XXXX - Payment after charge off/collection. Paid profit and loss XXXX - Unpaid balance reported as a loss by credit grantor. 
XXXX - Paid charge off Auto Date of Last Activity : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Date of Last Payment : XXXX blank XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I opened this account as a college student and lost my XXXX XXXX XXXX day. I thought maybe it got thrown away in the dumpster only to find out its been getting used to make XXXX  and food and clothing purchases this entire time.
Product: Payday loan, title loan, or personal loan

I took out two loans, one for XXXX and one for XXXX. they want me to pay back 4 times the amount for either loan. I have already paid them back double. Loan documents are attached. I believe poor people are preyed upon and these are unfair lending practices.
Product: Credit card or prepaid card

To whom it may concern, I applied for a platinum US Bank credit card, they asked for further information which I send them through fax. My driver 's license, my social security card, XXXX banks statements from XXXX different bank account. Thry said that they still couldn't verify me. Called them and they didn't provide me with any information why I couldn't get verified. Since I have send in all this sensitive information and they can't verify me I don't want to have a credit inquiry on my credit report. They will either have to provide me with this information or I have to file a police report. Please advise. Thank you in advance.
Product: Mortgage

Interactive Mortage ( Winnpointe mortage ) - I applied for a refinance of my primary home on XX/XX/XXXX. The agent took the application and ran credit, approved me for a loan and locked me for 15 yr term@ 1.875 % APR. Asked me to submit the documents the same day so the underwriter can review.

- I submitted all the documents he asked me within 2 hrs. He said the processor would take over in 2 weeks. After 2 weeks, he went on leave and told me that someone would be assigned soon and they should be able to close before end of XXXX for sure. 
- XXXX went by, XXXX went by, followed up on email and finally a processor was assigned and sent me the closing disclosures on XX/XX/XXXX. Since then a notary called me atleast 4 times that they were assigned for closing but company cancelled it all 4 times for delay in documentation. 
- I followed up multiple times on email and on phone, left messages but no response from processor. I again contacted the loan agent and he asked me to keep sending emails to the processor reminding her that I am waiting and copy him - After 60 days, he called me today to mention that the rate lock will expire tomorrow and he can not honor the rate I got. 
- I took great pain to follow the market and lock exactly the day the market went down and allowed my credit pull. 
My credit pull caused a hard hit and I dont even have a loan, by baiting and switching, Interactive Mortgage deceived me with their fraudulent practice. The sales team seems to be pitching and moving forward while the operations are unable to do their job. 
When asked for a senior contact to discuss the issue, the loan originator told me to fish it out on the internet and figure it out myself and that he can not share. He shared his supervisors number but he already mentioned there are many cases like this and that the supervisors wont do anything about it. 
So went to XXXX and got the email of the VP of operations ' email and wrote to her. Guess what - No response!!! 
The worst part is there is no one other than the loan originator and processor that you can contact to escalate or report the issue. None of the higher-ups have their contact information published anywhere on the site. I am unsure how they even got a license and are operating in California.
Product: Prepaid card

I received a vanilla gift card with {$100.00} as a gift, when I tried to use it it didnt have funds. I called to check the balance and it said it was used at a XXXX  in XXXX XXXX ( not by me ) I live in XXXX XXXX area. I submitted a dispute, it has been passed the 90 days and I have not received any information. I have reached out twice with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Default and Opportunity to Cure Re : Portfolio Recovery Associates , LLC ( XXXX ) Case : XXXX To whom it may concern ; This is in reference to Portfolio Recovery Associates , LLC ( XXXX ) response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 
I respectfully requested Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
The Federal Law is quite clear about requirements imposed on Debt Collectors. 
15 USC 1692a ( 2 ) - states= The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, which will include the three major credit reporting agencies. 
Being that I dont have a contract with your company regarding the Consumer Credit Transaction you should have never been allowed to have and share my Nonpublic Personal Information. Which is an infringement of my Federally protected Consumer Rights. 
I requested your company Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist the sharing of my Nonpublic Personal Information and your response was We ceased all communications regarding the XXXX account unless otherwise permitted or required by applicable law. 
There isnt any law that will Permit or XXXX Portfolio Recovery Associates , LLC ( XXXX ) to continue to share a Consumer Nonpublic Personal Information after the Consumer has requested Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist, which is a violation of my right. 
15 U.S. Code 1611 - Criminal liability for willful and knowing violation 15 USC 1611 ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 USC 1611 ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, Your company Portfolio Recovery Associates , LLC ( PRA ) failed to honor my Cease and Desist request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. 

I am attaching valid proof that Portfolio Recovery Associates , LLC ( XXXX ) violated my consumer rights. I hereby grant Portfolio Recovery Associates , LLC ( XXXX ), the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer I will not hesitate to escalate this matter to a Federal Complaint if Portfolio Recovery Associates , LLC ( XXXX ) decides to ignore my request. 
Yours Truly, XXXX XXXX XXXX
Product: Student loan

Hi, On   XXXX   XXXX ,  XXXX  I made a pay ment to Navient for my student loan account for {$500.0 0}. That {$500.00} amount was taken out of my checking account, but only {$400.00} was recognized as a payment by  Navient. I  do n't know what happened to the {$100.00} difference, but I suspect this is not the first time since  XXXX  when I consolidated my loans with Navient. I can provide evidence of how this payment was charged on my  XXXX   XXXX  account and on t he Navient si de as well.     Please help!
Product: Mortgage

On XX/XX/2011 I received a letter from Wells Fargo/XXXX who they owned that my property taxes were delinquent and unpaid. I sent them information that they were on an approved installment plan and current. XX/XX/2011 I received confirmation that they had accepted my proof of payment for property taxes. On XX/XX/2011 I received an additional letter stating that my property taxes were delinquent. I sent the same letter and proof to them that showed current on property taxes. On XX/XX/2011 they accepted again my proof of payment. On XX/XX/2011 I received a letter that they had paid my property taxes for a totals of {$54000.00}. They in turn tripled my monthly mortgage payment to recoup the XXXX over 18 months and I was unable to pay this. They in turn foreclosed on my property with a trustee sales date. I was able to Short Sale the home just days before the scheduled foreclosure at the court house. I hired an attorney which I could not afford to keep. The paperwork i have still is quite incriminating. The attorney determined my total loss to be upwards of {$450000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Transunion regarding a request to investigate things I believe to be inaccurate and/or incomplete in my report. Transunion responded back with a stall letter on XX/XX/year> stating it was not me but from a third party ; but in fact I mailed this from my own house. I am not sure why do they think I am a third party as I am trying to fix my own credit while trying to get these inaccuracies removed as I am trying to buy a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX, XXXX My Father was XXXX XXXX XXXX . He passed away XX/XX/XXXX. 
Our company XXXX XXXX , XXXX has a AMEX Platinum Corporate Charge Card since XXXX. I took over as the Primary Responsible party after his passing. 

8 months ago ( XX/XX/XXXX ) AMEX first suspended my AMEX Business Platinum Corporate account stating I was deceased based on a report from XXXX. They have subsequently reinstated it various times. 

AMEX says they are only reacting to XXXX Monthly Electronic Filing that updates them every 30 days. 

AMEX says that the monthly XXXX report shows the FICO Score and other derogatory notes like bankruptcies or in my case a score of 1 that indicates deceased. 

AMEX Told me to request a long form credit report and XXXX gave it to me. I also spoke to specialists at XXXX. According to XXXX, No noticed associations with XXXX XXXX, XXXX or mixed SS # s/DOBs appear on my Credit Report Spoke to XXXX special consulting department again on XX/XX/XXXX who reassured me there is no indicator of me being deceased on my report or associated w/ My deceased Father. 

In the meantime, I view all 3 bureau credit scores on my own that are over 800 and have purchased 2 cars and received a credit card line increase in the same period. 

ONLY AMEX has an issue with my credit report according to what they claim XXXX is sending them- While XXXX states nothing is showing on their end. 

I don't know what else to do to resolve this issue with AMEX. I have consulted all 3 Credit Bureaus multiple times for hours and hours over the phone, received credit reports and noted every item is correct. Until this is resolved, AMEX could suspend my Business Platinum account which would impede the way our business runs as we use this card for several recurring monthly charges and subscriptions. 


If necessary, I can be reached at XXXX. 

Thanks, XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

My First Progress card was stolen. I reported it to the company and asked them to prevent reverse the fraudulent charges on the account and prevent further fraudulent charges. From what I can tell, they issued a second credit card and allowed fraudulent charges on that and kept two accounts running then failed to post payments to either account. 

Because of this, I was assessed a late fee and now have a balance of {$520.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, the company placed an inquiry on my credit report with XXXX. I have requested documentation from both the company and from XXXX to support their permissible purpose in accessing my credit file. Neither has complied. The company simply sent a letter verifying that it had, in fact, accessed my file on the date mentioned. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] Paragraph a, Subsection 2 a CRA can only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. As I have not given specific written consent for this company to access my credit file, this inquiry should have already been removed. The refusal of the company and the CRA to do so puts both in a state of willful non-compliance with the Fair Credit Reporting Act.
Product: Debt collection

I ran my credit recently and found a fraud debt that does not belong to me. The debt is in collections and is not under my name. I have called several times to dispute this debt in collections and the creditor has not helped me at all. Please help me delete this debt and clear it from my name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax multiple times to get my name updated & my address they have address on my account that are not mine I faxed my drivers license Marriage certificate & W2 to XXXX the fax number they provided I spend time & gas to fax from the UPS store & Equifax keeps telling me to refax it I have proof it was faxed date & time stamped I can attach copies. They are causing me to get denied for a home I need to rent because the house I'm living is is being sold. I spend hours on the phone with them not getting help. I'm beyond frustrated as this is affecting my life & my family.