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

Request for experian credit bureau to remove old outdated information and all hard inquires only slowing XXXX hard inquire also show length of credit over 2 years current from my car loan with santender bank paid and paid off timely over 26 months.which is on my XXXX XXXX.my scores went down from XXXX to XXXX would like to see my scores restrung to that level.working diligently in restoring my credit for a home purchase.Thank youXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Florida XXXX XXXXXXXXXXXX or XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up forbearance with Navient and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from Navient ). However, Navient reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to Navient Credit Reporting department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of DISADVANTAGED ( person of XXXX from low income area ) customer right after XXXX lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders.
Product: Mortgage

Carrington Mortgage Loan Number : XXXX On XX/XX/XXXX, I reached out to Carrington Mortgage regarding an adverse report that they sent to all three credit reporting agencies ( lowering my perfect XXXX score to an average of XXXX ). 

For the last several years, I have had my monthly bills on electronic billing and my payments on auto pay. Apparently, sometime in XXXX of XXXX, Carrington Mortgage performed an out of cycle escrow analysis that resulted in my bill increasing. Because I did not receive correspondence of the " out of cycle '' analysis and because my monthly payments are automatically sent, I did not realize that both XXXX and XXXX 's bills were slightly underpaid. Because of this ( as I mentioned above ), Carrington trashed my credit - vs. seeking other means to reach out to me and rectify the problem. 

During the XX/XX/XXXX call, I quickly remedied the situation and brought my account back to good standing. Because I did not receive the notice of out of cycle review, I asked the reprehensive ( named XXXX XXXX if Carrington could notify the credit reporting agencies that it was a mis-understanding. His response was that he couldn't help and to give me a fax number to send a request for Carrington to rectify the problem. He made sure to tell me that they may or may not help me out. 

Further, On XX/XX/XXXX, I received a check for {$500.00} from Carrington Mortgage. When I looked at my account on their website, there was a transaction record stating that the check had been sent to me because during the " NORMAL '' escrow review ( only XXXX months after the out of cycle review ) it was found that I had actually paid too much money into my escrow account. 

So, now I'm questioning ( XXXX ) why the out of cycle review found that my account had an underage ( XXXX ) Why Carrington was so quick to trash my credit score ( when ONLY a slight underpayment was sent ) and ( XXXX ) why they did XXXX and XXXX when the in cycle escrow review actually said I had TOO much money held in escrow. 

I'm very concerned that Carrington has engaged in Unfair, Deceptive and abusive behavior- with my perfect credit score unjustly taking a significant hit due to Carrington 's mis-management of my overall escrow account. This is unfair, plain and simple and i snot in the best interest of protecting the consumer.

At this point, I'm requesting the CFPB to advise Carrington to retract the adverse notice they sent to all three credit agencies for the months of XXXX and XXXX. 

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

i filed disputes with experian indicating i only have one address and gave them the correct address however they still list several variations that need to be deleted.
Product: Checking or savings account

On XX/XX/2022 I went to the website of XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) to open a checking account online. At the start of the process I was prompted to enter my zip code. Afterwards I reviewed the various checking account types and selected the XXXX  Checking account. As I went through the process of " checking out '' in their online store-like interface, I was presented with an offer for a promotion called the " XXXX XXXX XXXX XXXX ''. The terms stated that if I met certain qualifying transactions that I would receive a promotional bonus of {$400.00}. I read through the terms of the promotion which made no explicit mention that only customers in certain states were eligible for this promotion. Having already typed in my zip code and also knowing that there are XXXX branches in my state ( North Carolina ), I assumed I was eligible for this promotion. I therefore proceeded to open the account with the promotion attached. The account was successfully opened. 

Over the next couple of months I met the transaction requirements stipulated in the promotion, which were a combination of direct deposits and bill payments within 90 days of opening the account. Meanwhile on XX/XX/2022 XXXX charged me the {$25.00} annual fee for this banking package, which was stated in the terms of the account. 

Once the requirements were met I waited the required waiting period which was XXXX business days after 90 days following account opening. However I still hadn't yet received any promotional bonus. I subsequently reached out to XXXX to confirm that I had met the requirements. First I reached out via secure message chat. In that chat it was confirmed I had met the requirements. No further support was provided and it was recommended that I reach out to the branch, I then called the customer support phone number, who explained that I had met the requirements but also that I wasn't eligible for the promotion because I lived in North Carolina, and the promotion is only available for residents of Pennsylvania. The representative then recommended that I reach out to the local branch to see if there was anything they could do. I later spoke with a representative in the XXXX, NC branch who said they would not pay out the promotion to me. 

I don't think this outcome is fair and the promotion was deceptive. As stated previously, the combination of having entered my zip code, having the promotion made available to me during the account opening process, the terms of the promotion not explicitly stating that only residents of Pennsylvania are eligible, being able to open this account online and not having to go into a branch, and there being XXXX branches in my state led to me believe that I was eligible for this promotion. After having completed the promotion requirements in good faith, and also charging me for the account type, I expected XXXX would honor the terms of the promotion that they presented to me during the account opening process. That was not the case which is disappointing.
Product: Debt collection

I had a XXXX phone and my service was spotty. I had dropped calls everyday. So, I went to the XXXX Store in XXXX XXXX, TX to see if I could get out of my contract. I was directed to call XXXX headquarters at the store. I was on hold for 18 minutes and they disconnected me. I compalined to the store manager and he said he would close out my account which he did. XXXX never sent me any bills to close out my account until I got a collections notice from XXXX XXXX XXXX. I never got written notice of my debt from XXXX. The store manager turned off our account and did not give me any information or charges for cancelling my account. This is unethical and bad business practice. I dispute all these charges as invalid and want these charges dropped from my account. The store manager at XXXX failed to execute his duty to inform. He just canceled the account and said everything was good. XXXX never notified me of any charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my Experian XXXX and XXXX that DO not belong to me I have been disputing these for almost two years and nothing has changed and no response back I need these off my credit because they do not belong to me. I dont know how else to do this and how to explain to the bureaus that these are not my accounts, XXXX - Acct # XXXX Amt {$31000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$8100.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone that wasnt me made a transaction in the amount of XXXX dollars from XXXX. I have proof of all the items Ive ordered to proof that this transaction didnt come from me. The XXXX card that was attached to this transaction has never been in possession of me. The account shows that is on autopay but they claim I managed to miss 2 payments which was 60 days. This transaction came from the company AFFIRM INC . I sent them paperwork proving that it wasnt me. No response. My credit score has been effected and I lost a amount of XXXX points plus this company FLAGGED MY ACCOUNT. I have no knowledge of this account, transaction nor payment plan. I havent paid anything on this account and I wont. I need this to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam I am writing to request the removal of inaccurate and unfair information from my credit report. The information my in question has been negatively impacting my creditworthiness. I believe that the information is inaccurate because 15 USC 1681 section 602 A states I the right to Privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This inaccurate information has been unfairly reported to the bureaus and has resulted in a lower credit score than I deserve. 

These INQUIRIES Need to be Removed : XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 PERSONAL INFORMATION IS INACCURATE : REPORTED NAMES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are inaccurate : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report. 

I am requesting your assistance in resolving this matter. Under the fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information removed. 

I request that you investigate this matter and take appropriate action to insure that the inaccurate information is removed from my credit report. I would appreciate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions taken to address the inaccurate information. 

Thank You for your prompt attention to this matter. I Look forward to hearing from you soon. 

SINCERELY, XXXX XXXX XXXX
Product: Vehicle loan or lease

On Saturday XX/XX/2020, I was approved for an auto loan totaling {$78.00}, XXXX. I went to XXXX XXXX XXXX and purchased the vehicle with the check given to me by Navy Federal. On XX/XX/2020, the bank refused to validate the check with the dealership citing that it was too much after giving approval on XX/XX/2020. I have been a loyal customer of Navy Federal for almost a decade. I have been financed for several loans and paid timely. I have not had an experience like this before where I was allowed to purchase a vehicle and then told the loan is not approved. This is terrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw on my transunion credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with transunion. They did not remove the fraudulent account from my report.
Product: Mortgage

Habitat for Humanity, I am requesting a MORTGAGE STATEMENT listing the following : 1. Default amount and months in default 2. Fees accessed to mortgage account.

3. Balance of any associated secondary mortgage account 4. Escrow account ending balance as of XX/XX/2022. You only give what has been paid not the ending balance after last payment in account. 
5. Defaulted Escrow 6. Any other associated mortgage/escrow costs that are outstanding. 

I have been receiving DEFAULT notices since the closing of the most recent CFPB complaint XX/XX/2022. I understand your email XX/XX/2022 a complete review of my mortgage had been through its initial review and need two more strategies of review. But because I did not confirm the mandatory in person meeting to correct and address the accounting errors ( I have brought to your attention ) at your office this courteous review was revoked. 

I have requested after XX/XX/2022, an itemized statement but have been ignored. I understand your last notice dated XX/XX/2022 that I am still responsible for full mortgage and escrow payment even if payment has not been submitted for Homeowners insurance with loss of coverage while payments are made. I understand that ( 2 ) payments were made separately from mortgage payments to not lose coverage by myself. I understand that XXXXXXXX XXXX XXXXXXXX received payment and applied payment XX/XX/2022. I was contacted XX/XX/2022. 

I also understand with your correspondence that I will now have an annual audit not by my closing date, but your re-evaluation date. Please provide that date your gave the reevaluation for accuracy and my records. 

I am making every effort to bring my account current to your records and standing but you are making it impossible with non-transparency. Since this written communication is the only effective communication you will legally adhere to, I have been forced to again make a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor both failed to make any appropriate corrections to the account of the obligor as requited by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to conduct a reasonable investigation of the billing error, within two complete billing cycles of the consumer after receipt of the billing error notice reported 09/15/20, as required by 15 U.S.C.

1666 ( a ) ( 3 ) ( B ) ( ii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Date : XX/XX/2018
Product: Debt collection

I am a XXXX veteran who opened a business as an XXXX in XXXX. In XX/XX/XXXX, a card from XXXX XXXX was opened in my business name. I was aware that an offer was being made to open up an account with them, however, the partners never agreed to move forward in doing so. In XX/XX/XXXX I noticed that several purchases was made through XXXX XXXX. 

I was informed that this account was opened in my name via over the phone. I terminated all cards that came with the agreement and called XXXX XXXX to informed them to send me a copies of a signature to see who authorized the account. I never received any confirmation from them with such documents. 

I never received any statements after XXXX because we moved the business and changed our mail box account. My name was taken off of the business in XXXX because of my weakened health conditions of my XXXX. Received complaint in the mail on XXXX XXXX. Need to respond to amended complaint in next 20 days. We do not agree to the amount that is owed ( {$7000.00} ). We will be responsible for {$2500.00} at the most. What can I do since I ca n't represent myself in this matter. I have no funds to contribute to this because I have utilized everything I save up to start up my business. I filed a motion to dismiss for lack of standing and supporting memorandum in which it was denied on XXXX XXXX, XXXX counts 1 & 2 was dismissed but the judge is holding me on counts 3 & 4 which includes the account stated documents.
Product: Mortgage

My loan was transferred to NewRez, LLC aka Shellpoint.

For two months now Ive had to go thru their chat function to make my payment. Even though there is a grace period until the XXXX of the month, if you dont pay your mortgage before the XXXX you cant make a payment online. 

They havent made my home insurance payment yet. 

The reviews and complaints on this company are insane. I can not believe that no one has looked into them yet. I contacted the President via XXXX on XXXX advising him of such and begging him to look into this. I cant find out if theyve paid my home owners insurance. Theres no way to talk to them it seems except thru chat of which they want me to put personal information such as social, address, etc. 

I also have an open case with the XXXX XXXX XXXX. If you try to schedule your payment more than once it locks your account out for 24 hours. 

My XXXX  case is : XXXX Reviews and complaints from a XXXX search for reference : XXXX XXXX XXXXXXXX
Product: Debt collection

Grain technology has reported on my consumer credit report since XX/XX/2022 with a balance of {$910.00}. I have no knowledge of this account I'm not sure what this account is and they have yet to verify or validate the debt by providing any written agreements signed with a wet signature in reference to this account.
Product: Bank account or service

On XXXX/XXXX/2016, my checking account showed pending transactions with a positive balance to cover those transactions by XXXX XXXX. My account did not show a pending transaction for a XXXX payment. Also after XXXX XXXX any deposit to the account will not be processed. During the nightly process between XXXX/XXXX/2016 & XXXX/XXXX/2016, Wells Fargo processed and posted the previous pending transactions that I was aware of at XXXX XXXX Wells Fargo also processed and posted a XXXX payment that I could not see. Because it is a recurring payment, it will be processed even though I do not allow over drafting. However, I could not see the time it came through to my account until the next morning at XXXX XXXX Wells Fargo processes overdraft fees by XXXX XXXX. I deposited {$20.00} cash into the ATM around XXXX XXXX in order to bring my account positive before any overdraft fees. After my deposit, Wells Fargo posted an overdraft fee to my account. This suggests that Wells Fargo took advantage of this recurring payment by not allowing it to post on my account as a pending transaction, but rather process the transaction over night and post it to the account after the nightly processing hours. In doing so, Wells Fargo would be able to assess a profitable {$35.00} overdraft fee for a roughly - {$16.00} balance. This concerns me because I never saw the transaction pending XXXX/XXXX/2016 before XXXX XXXX the cut-off time for deposits. I feel taken advantage of and mislead by Wells Fargo. I also have lost trust and faith in the financial institute and do not have confidence in other financial institutes. Banking is an essential part of my personal life, an essential part of my financialgrowth, and an essential part of my business beginning and growing.
Product: Debt collection

I am receiving mail from a debt collection organization call resurgent capital services requesting an amount of {$120.00} on behalf of original creditor indicated as XXXX and Company and current creditor is listed as LVNV funding account listed last digits XXXX. I have never had an account with XXXX under the number listed. I also call this organization at XXXX XXXX And was informed that this debt is from 2008. Although This debt is invalid an account from 2008 is past the statue of limitation. I do not want to be contacted by this organization again
Product: Credit reporting, credit repair services, or other personal consumer reports

Initiated multiple disputes with the 3 credit bureaus on XX/XX/XXXX. Mailed a security freeze request letter to Lexis Nexis through certified mail on XX/XX/XXXX. Through tracking information, I can see that the letter made it to its destination around XXXX on XX/XX/XXXX. Disputes came back with no change. Lexis Nexis advised that they have not received letter with all my personal information including a copy of SSN and drivers license even though Tracking says otherwise. They have no idea where this letter is nor do they have any information in their system in regards to a security freeze request. Verbally verified that the address the certified letter was mailed to was correct and that they just have not received the letter. The consumer report ID # for Lexis Nexis is XXXX
Product: Credit reporting

in XXXX summer I switched to XXXX to save money. unfortunately I could n't get phone reception in my house. dropped calls unable to make calls etc. they waved the XXXX day wait for an air rave whichwhich was supposed to enhance signal but it did n't help I was force to go outside to make receive calls & retrieve voicemail. after calling XXXX & getting nowhere I finally had to choice but to switch back XXXX XXXX XX/XX/XXXX. I tried to break contract XXXX but was referred to several different people all of whom did not care that I paid {$100.00} a month for almost a year with no home service signal. I am also on XXXX fixed income & not well. they did not care. i did not receive any instructions when my number was ported back XXXX about returning air rave of phone. XXXXI paid XXXX for phone. they said that information via mail would confirm I broke contract.balance went to collections because I did n't return airrave or phone. by then I was paying XXXX for service & donated phone to a battered woman 's facility. collection agency worked with me to try to resolve but I did not have the money to pay in XXXX days & I was in dispute with XXXX regarding the disconnect & not informing me of or sending the mail back kits as they finally said we are charging you because you did n't return phone or air rave. I still had air rave & they then sent a mail back kit with NO explanation why it was not made clear about returning the equipment or mailing me the mail back kits. I 've spoken with XXXX several times. they have been very helpful as has been experience. the unpaid balance was reported XXXX XXXX XXXX. I just started working part-time XXXX XXXX XXXX. I got credit for air rave return but they wanted full price for phone & I told them that I paid {$100.00}. for it that I paid for service for XXXX year & donated phone because it was never indicated to me to return it. they said they would settle for {$200.00}. which I paid on XXXX XXXX XXXX. I had no idea that this would be on my credit report negative until XXXX. I am asking that you please try to get this off. I have to get new vehicle mine is XXXX yrs old. I have rental income part time job XXXX. I have to resolve this as its affecting my credit. thank you sincerely XXXX