23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, XXXX I paid off the mortgage and the check was made payable to XXXX XXXX XXXX XXXX. I have researched the property in the XXXX XXXX XXXX at XXXX and the release of lien or satisfaction of the mortgage was not reported by the lender. The loan initially started with XXXX XXXX, and was transferred to XXXX, XXXX XXXX, and XXXX XXXX. 
Note that in XXXX, XXXX XXXX and XXXX XXXX XXXX merged, and the mortgage company was renamed XXXX XXXX XXXX Mortgage. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXXXXXXXXXX ) and they stated the following : XXXX XXXX XXXX was acquired by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is not part of the XXXX XXXX XXXX, XXXX. XXXX. It was acquired by XXXX XXXX XXXX , XXXX which was acquired by Chase Manhattan. Chase Home Finance is handling those loans now. ( XXXX ) XXXX. 

So I contacted Chase, and XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX Email : XXXXXXXXXXXX ), the XXXX in the Lien Release Customer Research for Chase at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stated that he reviewed the request provided for a release of lien on the XXXX loan for XXXX. The servicing company listed is a company that Chase can sign for. However, in order to process a release for this loan I do need some additional information. Since the loan was never assigned, the memo note giving the check number and amount paid is not enough to move forward on this matter. Please provide a copy of this cancelled check or a paid in full letter to confirm the receipt of payment. 

Note that I did not receive correspondence from XXXX XXXX upon payoff of my loan. I wrote check # XXXX payable to XXXX XXXX for {$32000.00} from a XXXX XXXX XXXX Bank checking account. I do not have a copy of the cancelled check. XXXX XXXX XXXX Bank was acquired and is no longer in existence today.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results.It Has now been over 30 days I filed a 30 day demand to comply with credit bureaus and still have yet to receive a response. According to 15usc 1681 there should not be any damages on my report and this inaccurate information is defamation of my character.
Product: Debt collection

I received a phone call at my work place from a company refusing to give their name. the man calling also gave me a false name. I was told to be home at a certain date and time because he was coming to serve me and if I was n't there to sign I would go to jail for a missed court date. I tried calling the number back and they refused to give me a company name. The man I spoke to was told not to call my workplace again due to the fact my employer does not allow these types of calls.the man began to yell at me and would not continue until I hung up
Product: Credit reporting or other personal consumer reports

Hello From XX/XX/year> until XX/XX/year>, I Contacted Experian and asked them to remove my student loans after they were discharged by XXXX due to my XXXX. for 5 months they continually told me the loans were legitimate and that I had to repay them. My credit score plummeted over XXXX points and I have it on my credit report in a negative status.
Product: Checking or savings account

On XX/XX/2021 I was trying to obtain a quote from XXXX. In order to continue and receive a quote I was required to enter my card information. However, XXXX/XXXX, upon my card information being entered, immediately charged my KeyBank checking for {$390.00}. I then called XXXX to resolve the mistake they had made. However XXXX/XXXX told me they would not refund any of my money and to contact my financial institution. I then called my financial institution, KeyBank, and informed them of what happened. KeyBank opened a dispute, and mailed out paperwork for me to complete on XX/XX/2021. I did not receive that paperwork until XX/XX/2021. I completed the paperwork and mailed it out certified on XX/XX/2021 and also took the paperwork to a KeyBank branch to have it put in the system that way as well. While I was in the midst of doing all this KeyBank closed my dispute saying that the transaction was authorized, when indeed it was not. I called KeyBank to let them know when I received the paperwork and the representative, XXXX XXXX, on the phone even said that the mail is severely delayed. But that the dispute was closed and that there is nothing more that KeyBank will do, and that I am just suppose to be ok with losing {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my vehicle loan with State Farm Bank. I did go into collections and whatnot but I paid everything. My car was never repossessed. It never left my possession. But the company reported that the car was repossessed. I filed a dispute through the bank for this error. They stated it was legit even though I never paid any repo fees or the car was never picked up. I am applying for a house and this is seriously hurting my progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's 4 collection accounts dated XXXX17 on my report inwhich I have no knowledge of, yet has not been physically verified by the very credit reporting agencies inwhich is reporting such damaging unverified information on my report. Now according to the FCRA accounts must be PHSICALLY verified if not then they must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I called all three credit Bureaus regarding the inquiries thats been reporting on my credit report. I informed them that Ive contacted the companies and that they aggressively to remove them but hasnt the credit bureaus transfer me to the fraud department and I was told that the matter would be taken care of and now I still see these inquiries on my report including more. Ive been trying to get a Mortgage loan and when I see my report I see more inquiries reporting on my credit from this year XXXX. I have the MyFICO app which told me that my personal information is on the desk web. The inquiries thats listed on XXXX : is credit plus XXXX XXXX and XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX certified credit XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been dealing with student loans since XXXX. I did not realize that taking on a debt so young and uninformed could be so damaging. I have taken loans with three universities. Each one graciously gave me the ok. to apply for money ( way more than needed ) and I would not be able to pay back. I recently watched a press conference held in Washington state in XXXX of XXXX. I learned very interesting information that affected me directly. While I was in school, all of my loans were placed in forbearance. I was never given the opportunity to participate in deferment. I understand that XXXX XXXX and XXXX engaged in deceptive practices and charged interest on top of interest. When I received statements, it was only, this is what you owe. There was never any clear breakdown and how interest was charged. Each time the loan was sold, the amount increased substantially. Currently, the loans are with XXXX. I had written the agency a certified letter requesting all original documents and a breakdown as to how much is owed and proof the amount is what is owed through audit certification of debt entry. This was done on XXXX XXXX, XXXX. They have not responded. Each time I call to inquire about it, I am placed in the endless que until I give up. In the meantime, I am making payments. I was asked to recertify. When I did recertify, I received a letter stating they were not able to grant the same plan and that I would receive a letter telling me what I had to do. The next letter I received, I was told that I did not respond and now have to pay almost 5 times as much. I inquired today XXXX/XXXX/XXXX. I was told my family size changed. I stated that was done in error but I was never officially told. I was told because all correspondence is done electronically. When I searched the electronic messages it was not there. However, I am still required to pay the overly inflated new amount. I am very frustrated and need a resolution. I am making attempts to pay. However, I need to know that the amount owed is completely accurate especially since it has changed servicers several times. Please help.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am a victim of XXXX XXXX. The information listed below, which appears on my credit report is the result of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33000.00} ; XXXX XXXX, {$4700.00} Department of Education XXXX ALL {$44000.00} ; Department of Education XXXX {$100000.00} Department of Education XXXX {$10000.00} Department of Education XXXX {$3500.00} Please block this information from my credit report within four business days pursuant to 605C of the fair credit reporting act. Please send me notification of the acts taken. I appreciate your prompt attention to this matter. 

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

Dear Experian I see information that on my consumer report that is result of identity theft. I did not provide any written permission or instructions for this account to be reported on my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material representations of fact by the relevant to the request to block the identified account. This account and transaction is not information related by me the consumer. XXXX XXXX XXXX Account number XXXX Down below I attached all supporting documents my drivers license my social security and my identity theft form. Thank you
Product: Credit card

On XX/XX/2017 my bank issued a paper check in the amount of XXXX to Paypal Credit. This check was received and deposited by XXXX of XX/XX/2017. On XX/XX/XXXX, my account still showed a balance of {$650.00}. I asked about it, and they requested I provide them with check number, date of issue, date of deposit. This information was provided. I have provided this information to them several times, both by email, and by phone. They still have not credited my account for XXXX. The last message I received from them today asked me to provide proof of electronic payment -- when I have already told them a check was mailed. They keep asking for the same information over and over again and wo n't resolve the issue. They have not made any progress, and each representative I speak to seems to be talking about the situation as if it were the first time I 've made the complaint.
Product: Credit reporting

XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XX/XX/XXXX2016 Reported Since : XX/XX/XXXX2016 Date of Status : XX/XX/XXXX2016 Last Reported : XX/XX/XXXX2016 Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts reporting on my XXXX Equifax XXXX XXXX credit reports. 

XXXX XXXX XXXX XXXX {$9700.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX  XX/XX/XXXX {$46000.00} XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX. XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00XXXX XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank # XXXX XX/XX/XXXX {$390.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$46000.00} XXXX XXXX # XXXX XX/XX/XXXX. {$5100.00} XXXX XXXX # XXXX XX/XX/XXXX {$8000.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1600.00} Inquiry XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt notice of dispute to furnisher of information. 
( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

On XX/XX/XXXX and XX/XX/XXXX I received dispute completion notices from Experian stating that my information remains, after I initiate a dispute of their reinvestigation process knowing that they did not contact US Bankruptcy court in reference to inaccuracy of bankruptcy listed on my credit report. I stated that Experian is in violation of said law : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX -This date is incorrect/inaccurate Date resolved XX/XX/XXXX -This date is incorrect/inaccurate Responsibility Individual Reference number XXXX -this number is inaccurate Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX Address XXXX XXXX XXXX XXXX Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX This date is incorrect/inaccurate Responsibility Individual Reference number XXXX - this number is inaccurate Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> theres an inquiry from XXXX XXXX XXXX. I did not make this inquiry.
Product: Debt collection

I severed my services rendered by XXXX communications. I paid for all monthly services delivered by XXXX and set a date to end my subscriptions. XXXX alleged that I was under contract and would have to pay fees. I did not acknowledge any such agreement to be in place and asked for proof of said contract. None was given. XXXX failed to end my subscription in which I have correspondence lending to the fact of the date it was to expire. They pursued charges related to their own neglect in the matter and assessed fees associated with a contract in which I have no knowledge of. My refusal to pay the combined alleged debt gave cause for them to turn the matter over to DIVERSIFIED CONSULTANTS, a debt collection agency. I have no affiliation with this group and they have made no considerations on my behalf warranting any type of communication. I ignored all attempts of communication by DIVERSIFIED CONSULTANTS. In the month of XXXX, 2015, DIVERSIFIED CONSULTANTS reported the alleged debt. As a result, my XXXX score went from XXXX ( reported XXXX ) to a XXXX as reported by my bank when I inquired about a loan. I entered a dispute with XXXX which was denied without detailed explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Mortgage

I have been repaying Bank of America since 2012 for property tax reimbursement. They were reimbursed fully by XXXX County, OR. I received a bill from B of A for {$500.00} for " closing the escrow account '', stating that I " asked the to close it ''. 
I did not ask that it be closed, only that they stop billing me for repayment, after the balance had been paid. I can not get through to anyone to try to resolve this issue. I am XXXX years old, have been dealing with constant " what I call harassment '', since 2012. Can you hel me? I have been XXXX since I received this letter, and do n't know how to deal with. Thank you for your help. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Debt collection

Collection Agency threatening legal action for a credit card debt that I do not owe. Credit Reporting Agencies do not have the credit card number on my credit report. The implied credit card number does not exit and never had the card, the amount being asked for me to pay is {$3500.00} which includes implied balance, interest and penalties. I am a law abiding person and want this to be straightened out. 

I have been getting calls from a person, who claims to be working for a debt collector firm. I explained to him that there is some mistake about this claim, as I never had this Credit Card and proof is that it is not showing up on my Consumer Credit Report either. On the phone the person obtained my address from me and started sending me collection letters with collection notices, stating that there is a judgement against me in regard to the referenced account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE SUBMITTED MY PAPERWORK REGARDING THESE ACCOUNTS SEVERAL TIMES AND THEY KEPT COMING BACK SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I'M NOT SURE WHAT TO DO EXCEPT KEEP SENDING IT BACK.
Product: Credit card or prepaid card

I signed up for a 12 month promotional plan and divided the payments by 12. I then set up auto pay to have the appropriate amount deducted each month so that it would be paid in full by the expiration of the plan. I also enrolled in paperless billing to save paper. The last month the bill was set to pay off the balance on XXXX XXXX.I believed that the last billing cycle would be the expiration of the plan and I paid it in full by the end of that cycle. Unbeknownst to me the expiration for the promotional plan was 6 days earlier, XX/XX/XXXX. The company purposely sets the autopay date after the expiration so that they can charge you interest on the entire initial balance. In this case that interest was {$550.00}. My last payment amount was {$330.00}. Obviously I would have paid it 6 days earlier. They then charged me a late fee and interest for the month of XXXX because I thought the balance was paid. I only noticed it because it showed up on my credit report as a revolving balance and I knew it should have read {$0.00}. This seems to be unfair and predatory, relying on a technicality in order to trick customers. I work hard to ensure that all of my bills are paid on time and do not appreciate these tactics. I reached out to them and spoke to a supervisor who tersely informed me that they can not reverse the fees/charges. I also reached out on twitter and received the same response.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAD BLOCKED ALL THE CREDITORS IN MY REPORT, AND REMOVED THE INQUIRIES. HOWEVER, I LEFT SOMETHING OFF CALLED BACK AND GOT A NEW FRAUD REPRESENTATIVE, SHE REINSERTED ALL THE INFORMATION BACK IN THE REPORT, HER NAME WAS XXXX, WITH NO REASONING, AFTER XXXX HAD ALL THE INFORMATION CORRECTED AND DELETED. I SUED EXPERIAN A FEW YEARS AGO, AND WON THE CASE, SO I ALWAYS HAVE WHAT SEEMS LIKE RETALIATION WHEN I TRY TO GET ANYTHING CORRECTED. THEY DONT EVEN TRULY VERIFY THE INFORMATION, THEY JUST COME BACK VERIFIED. I SEND THEM ALL THE FTC REPORTS, AND CFPB REPORTS, AND THEY HAVE STATED THEY WERE NOT VALID, SO I ACTUALLY FILED A POLICE REPORT, ALONG WITH THE REPORTS. I HAVE XXXX XXXX, WHICH IS NOT EVEN POSSIBLE IN THE TIME FRAME THEY STATED, YOU CANT EVEN DO THAT, AND THEY SAID THEY VERIFIED THROUGH XXXX WHICH IS INCORRECT, BECAUSE XXXX HAS NOTHING NEGATIVE ABOUT ME NOR ANY XXXX. 

XXXX, SENT IN A LIST OF THINGS THEY HAD DELETED TO THE CFPB ON MY RECORD, HOWEVER, THOSE ITEMS ARE STILL THERE. THEY STATED THEY RECEIVED A REPORT FROM EXPERIAN THAT THEY HAD DELETED THE ITEMS, THEY GOT A REPORT FROM EXPERIAN AND REINSERTED THE ITEMS. THATS NOT THE WAY THAT IS SUPPOSED TO BE DONE, BUT YOU CORRECTED ALL THE FRAUDULENT INQUIRIES OFF. 

XXXX, HAS XXXX NEGATIVE ITEMS, WHICH ARE NOT MINE, AS WELL AS A XXXX, THAT THEY CANT VERIFY THATS NOT MINE, BASED ON XXXX NO XXXX  INFORMATION EXISTS ON THEIR RECORDS. 
THEY ARE NOT USING MY CREDIT REPORT CORRECTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information, no knowledge of accounts, FTC violations