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

XXXX is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XX/XX/XXXX mortgage payment since we would be traveling out of state from XX/XX/XXXX - XX/XX/XXXX. We did not have access to email or US mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip.
On XX/XX/XXXX we received notification that our mortgage payment for XX/XX/XXXX was not made in a timely manner and that XXXX reported us 30 days late to the credit reporting agencies. Upon contacting XXXX, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XX/XX/XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from XXXX that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the XXXX website should have been resolved by the XX/XX/XXXX ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for XXXX to suppress the erroneous reporting based on them having improper contact information and XXXX is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to XXXX or any other creditor in the last 14 years.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX CREDENCE RESOURCE MANAGEMENT , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear CREDENCE RESOURCE MANAGEMENT , LLC, I am writing to dispute any and all debts associated with my name in your records. As per the Consumer Financial Protection Bureau ( CFPB ) guidelines, I revoke all communication rights and request validation of this debt. I demand full disclosure, including the purchase agreement between your agency and the original creditor, as well as proof of your licensing and bonding. 

It has come to my attention that despite my requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Yet, you have reported this debt to consumer reporting agencies, which is a violation of my rights under the same regulation. 

Furthermore, I have not been given an opportunity to dispute this account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Your actions constitute false, misleading, and deceptive practices, which are prohibited by the Fair Debt Collection Practices Act [ 6 ]. Moreover, your furnishing of this account to consumer reporting agencies without proper disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) [ 5 ], [ 4 ].

I demand that you cease all collection activities and remove this debt from my consumer report immediately.

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

I have asked them to remove these accounts from my credit report and its under investigation, but its been more than 30 days since the dispute and they have met the deadline so I demand items removed from my account
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

I have had my car loan with Santander consumer for 5 years. After researching my car loan, i realized that my balance didnt change from XX/XX/XXXX to XX/XX/XXXX. All of my payments were only going to interest. I still owe {$15000.00} on my car loan 5 years later when I only owed {$17000.00}.
Product: Credit card or prepaid card

It happened around XX/XX/2020. I had checking and saving accounts with Bank of America which were used to pay my credit card payments. At that time, I had about $ XXXX in my both accounts and had credit card debt of {$2800.00}. I called BOA 's customer service to pay off my all of my debts and did received an email confirmation from BOA said it had been paid off. However, a few days later, my credit debt appeared again and the balance of my checking and saving account became XXXX. 

It was pandemic time. I tried to call BOA several times but phone could not get to right person. I wrote a mail to them but no reply. I tried to email my branch in XXXX to get help, but a person to tell me to step into the branch to do it in person. Because my health do not permit me to travel during pandemic time, I did not fly back to XXXX to talk to them then. Recently, I checked and realized the unpaid credit card payment had rolled into {$5100.00} and were sent to collecting agencies. 

Right now I still lives abroad and have no plan to travel back to the XXXX. I am wishing someone can help me recover my money in my BOA accounts, solve this issues and clean my credit for me. Thank you so much for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint about an incorrect collection account on my credit report maintained by Equifax. The collection agency name is XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXXXXXX. The information on this collection account is incorrect. Despite several attempts to dispute the collection account with Equifax, it is continually marked as 'verified '. Furthermore, I have sent a debt validation letter via certified mail to the collection agency, XXXX XXXX XXXX XXXX. It has been over 30 days since they received the letter ( see attached PDF of the Electronic Delivery confirmation ), but they have failed to provide any validation for the debt or proof.
Product: Student loan

I contacted Navient back in XXXX XXXX 2015 to get foreberance because I am in school in XXXX. I paid the XXXX bucks. Now two months later I get a debt collector stating im two months behind. I called them and was told payment didnt go through. I asked them to tell me the account information. The person had entered it incorrectly. Because of their error im now behind and its affecting my credit. I live XXXX and I put email correspondence. My family said they recieved no letter. The manager told me its not their fault and even though they made the mistake its my responsibility to make sure payment was taking so its still my fault and I must pay.
Product: Payday loan, title loan, or personal loan

I opened a line of credit with First National for {$100000.00} against my home equity they did n't properly process the paperwork and did not acknowledge that I had existing homeowners insurance although I provided all necessary information then insisted that I pay them {$1000.00} for insurance plus fees and interest and every time I proved through XXXX XXXX who have it multiple times on record, they would not acknowledge my insurance and continue to say I have an outstanding balance and threaten to put my home in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted Equifax on XX/XX/XXXX about my account showing a bankruptcy with the verifying contact being the U.S. Bankruptcy Court of XXXX. I then wrote to the Courts to verify this information and they sent me a letter saying that " WE DO NOT REPORT TO THE CREDIT BUREAUS ABOUT ANY INFORMATION FOR CONSUMERS ''. Equifax responded by saying they now confirmed the information with a 3rd party company names XXXX. 

I wrote to that company on XX/XX/XXXX and received a letter from them saying it was reported incorrectly and will be removing it from their records.

on XX/XX/XXXX I then wrote back to the XXXX people with information from the courts and not reporting that information to them as well as the NEW Information I Received from XXXX about taking the bankruptcy off of their records. 

For good measure, I then wrote to Equifax once more with all INFORMATION FROM THE BANKRUPTCY COURTS AS WELL AS THE XXXX XXXX ON XX/XX/XXXX. to which I am having as a response once again from Equifax saying they VERIFIED THE INFORMATION TO BE CORRECT FROM XXXX I ASK YOU HOW CAN THAT BE AS THERE IS NO SUCH INFORMATION FROM XXXX XXXX. 

XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX I cancelled my XXXX account and settled all debts and owed money with them. In XXXX of XXXX I was contacted by Waypoint Resource Group saying that I owed an amount of {$120.00} to them due to a debt they had purchased from XXXX. 

I never owed this money to XXXX or XXXX. My contract was terminated and paid in full in XXXX of XXXX. Waypoint Resource Group has fradulently affected my credit report with a debt they say they own, that was supposedly originating from more than 2 years prior. 

Now if I am to wait out this fake debt, I will have to wait 7 years for it to fall off. Seems strange that they get to make a report on my credit 2 years after, on a debt that I do not owe, that was mistakenly or fraudulently sold to them by XXXX. 

I will not pay this money to Waypoint Resource Group or XXXX, and after repeatedly attempting to contact both of these institutions and dispute this off my credit report, I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unknowingly redirected while attempting to get a quote for car insurance on the USAA website. Redirected to a fraudulent scammer who now has some of my personal information and my voice, because they immediately called me, the first I declined and before I could put my phone down they called again, and I said, " It looks like this is a fraudulent website, not USAA, do not call me again, put me on your 'Do Not Call ' list. '' But I wanted to report them! The phone numbers were made to look like they were coming from where I live, using my area code. The numbers the called me from are as follows : XXXX XXXX XXXX XXXX. ( XXXX ) XXXX. This happened XX/XX/2020 XXXX They are harassing me, after I told them to put me on their do not all list, but I guess scammers don't HAVE those, huh.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

So my car was repossessed back in XX/XX/2020 and Ive been paying on this car for almost 3 years. I was pulled over and found out that my car registration is no longer valid because when my car was repossessed the car was never put back in my name. Now Im having a hard time getting the company XXXX to send me the title paperwork to get my registration back on my car. Im still Making payments on my car but cant drive it. Its been 2 weeks and they are still not telling me what the hold up is. Ive been renting a car and I cant afford to keep doing both.
Product: Debt collection

I have sent full amounts to Chapman Financial Services couple months ago for past due collection and they refuse to apply it to the debt amount balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against theFederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

When I went to get my teeth cleaned, the dental hygienist told me that the teeth cleaning was covered by the insurance. 

They sent me a bill of {$240.00}. I called them saying that it was supposed to be covered by the insurance. The billing department said that they will refile it with the insurance. 

I am unsure if they refiled it with the insurance or not. But they never reached back out to me. 

Then I received a collection letter from JP RMP. In my defense, I was told that the teeth cleaning was covered by the insurance, XXXX and I am not charged any more money. Therefore I do not owe this amount of {$240.00}. 

I am not paying this amount as I was charged fraudulently. Please take this off my records. Thank you XXXX
Product: Mortgage

I sold my home in XXXX oof 2023. At that time my mortgage was on time and no payments were due. I then started receiving harassing phone calls from shellpoint mortgage asking when i could make the payment. I explained to them over and over again i dont own the home. Its been sold. Why would i make a payment on a home i dont own?! The calls continued into late XXXX. When finally the buyers mortgage company resolved the issue by way of a XXXX way call with shellpoint. The buyers mortgage company and myself. But that didn stop them from reporting missed payments to my credit report.
Product: Checking or savings account

My XXXX year old daughter 's account was hacked. She called the bank ( NFCU ) and was given a new account. This happened the 1st week of XX/XX/2020. Now they've applied the fraud to her account and here it is almost XXXX and she still hasnt recieved her money. She had nothing to do with this and I dont know why they are holding her money. I have been given 3 different dates and have been treated very poorly as a customer.
Product: Debt collection

I am filing a complaint regarding the inaccurate reporting and handling of a charged-off account by XXXX and its subsequent sale to a third-party debt collector, LCS Financial Services. The account number in question is XXXX. 
XXXX. Name Discrepancy Originating from Toyotas Error : When I purchased the vehicle through XXXX, the paperwork was processed incorrectly, listing my name as XXXX XXXX instead of my legal name, XXXX XXXX XXXX. Despite multiple requests to XXXX to correct the error, they failed to update my name. As a result, the debt is inaccurately reported under the incorrect name on my credit report, despite the fact that I never identified myself as XXXX XXXX. 
XXXX. XXXX XXXX : Additionally, XXXX XXXX XXXX is a co-signer on this loan and is facing the same issue of inaccurate reporting. They are also being affected by the name discrepancy and reporting errors in the same way I am, which has caused confusion and harm to both our credit reports. 
XXXX. Original Creditor Reporting Issues : XXXX reported the account as a charge-off and sold the debt to LCS Financial XXXX XXXX However, XXXX has not updated their reporting to reflect the account as having a {$0.00} balance or marked it as sold, as required when a debt is sold. This inaccuracy is affecting both my credit report and that of my co-signer. 
4. Debt Collector Concerns : LCS Financial Services is now reporting this account under the incorrect name and has not provided proper validation of the debt. I have not received proof of their legal right to collect the debt, nor verification of the balance. Additionally, if the debt was charged off and forgiven, I request confirmation of whether a 1099-C was issued for the canceled amount.
Product: Checking or savings account

XX/XX/XXXX Opened the savings account with Discover Bank, with an opening deposit of XXXX dollars, money transferred from a XXXX checking account. 

XX/XX/XXXX Scheduled a fund transfer of XXXX from my XXXX checking account. At the time I had more than XXXX dollars in my account. I did not want this transfer to go through, so I purposely took out XXXX dollars from my checking account so the request will be rejected. 

XX/XX/XXXX In which XXXX dollars of the XXXX dollars that I took out of the XXXX checking account were sent to the Discover Bank savings account. 

XX/XX/XXXX Discover Bank subsequently closed the account as they suspected that there was fraudulent activity going on. 

After this I have called Discover Bank 4 times, most recently XX/XX/XXXX, first they told me to file a hold harmless agreement with XXXX, and then they told me that they could not disclose any information on where the funds were. 

I have also contacted XXXX but they did not receive any money from discover.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I bought and financed an auto, XXXX XXXX XXXX  from the dealership XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Fl XXXX. At the same date I bought service protection for this auto. The purchase is financed through Honda Financial Services. I continue to pay interests on the total amount of the purchase including the service protection plans that were cancelled. 
In XXXX less than 60 days after the purchase I went to the XXXX XXXX XXXX and cancelled the following services as listed below : XXXX XXXX XXXX  contract cost : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX cost {$290.00} XXXX XXXX XXXX XXXX  cost {$470.00} I have the cancellation registration form for these services. I contacted the service providers and they confirmed that the coverages listed above had been cancelled in XXXX. I never received the credit for the total amount of {$1200.00}. 
I have tried to reach XXXX XXXX XXXX several times about this issue and the company never returned my calls. I contacted Honda Financial Services and the issue has not been solved. To this date I am still paying interest on the amount above and I have not received any credit for the cancellations of the protection plans.
Product: Checking or savings account

I am a customer of Capital One Bank. For the last couple of days, starting Wednesday XX/XX/year>, I have not been able to access anything in my account. Also my direct deposit that usually comes on the same day has yet to hit my account. It is now Friday evening at XXXX on XX/XX/year>. I spoke to the bank yesterday and today. Yesterday I was told it would be available Friday morning at the latest. I called back today which I was on hold for just about XXXX hours. I was then told that they still haven't resolved their technical issues and its possible that my funds might not be available until Monday. I am a single mother living paycheck to paycheck with no child support. So I guess I'm just supposed to go all weekend with no money. I have bills due that which now are collecting late fees. My electricity is about to be shut off and then I will have to pay a reconnection fee. My credit card payment was due and now I have a late fee. I can barely afford my bills let alone paying all these late fees for their negligence. This is not legal to just hold onto someones hard earned money for three days and then continuously be lied to and gaslighted about when the issue will be resolved.
Product: Credit card or prepaid card

XXXX XXXX has had me call multiple time to resolve with no resolution to login and transfer funds from card to bank account
Product: Money transfer, virtual currency, or money service

5+ weeks since I signed up for Gemini account. My money is locked up and I can not withdraw until account is verified.