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

XXXX  XXXX XXXX XXXX Business Address XXXX  XXXX XXXX XXXX XXXX XXXX Business City XXXX State Georgia Zip XXXX Description of issue This information is false. The amount does not show and/or was removed from XXXX and XXXX after an investigation, and we were found to be refunded once we moved out. I found out that during the credit leak, my credit was combined with another lady named XXXX and XXXX XXXX, who both live at said property. The property XXXX was removed from the property due to this, and the other person whose information was filed falsely against was also removed. I have sent proof to Equifax, and all letters were returned, but I have no correspondence from Equifax. I was asked to participate in a civil suit, and I declined since all the info was to be removed from my credit report. I have filed with the XXXX  and reached out to XXXX. They have no information about me or the amount. As stated, the other XXXX creditors were removed after they inquired into the matter. XXXX  XXXX on behalf of XXXX XXXX will not be removed due to the countless inquiries and information I have sent to both companies. 
Also, the signature on the fake application for my son and my name are wrong. 
No notice was given, and no letters have been received after almost 3 years of countless requests. The property XXXX was removed from the company because several accounts were found false by other individuals living there. /civil cases were mentioned, and XXXX were filed by myself and others. I have sent the return MO and bank statements to Equifax as well as XXXX XXXX stating that we received our money back and they still have not removed this from my account. 
Cost Impact : XXXX plus XXXX
Product: Debt collection

This Company is reporting this debt that has been charged off by a third party. This Company also is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.I have not received any of these documents.I also never received a 1099c cancellation of debt form from the IRS.Not to mention they have violated my rights under code 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ).
Product: Credit reporting

I have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts?
Product: Credit reporting or other personal consumer reports

Reporting several accounts, addresses, and hard inquires that are not mine.
Product: Mortgage

PennyMac has consistently mishandled my mortgage servicing since assigned to them by XXXX XXXX XXXX. The closing documents show a monthly payment of XXXX. In XXXX they sent me several notices requesting a payment of XXXX by XXXX XXXX for my first payment. XXXX calls were made to them to correct it and each time they said it was their mistake, stated it was corrected and they would send me a new statement. Each time the new statement showed the incorrect amount. Mind you this is my first payment after closing. Finally that issue was corrected, and I mad a payment that was posted to them from XXXX on XXXX XXXX 2016. Today XXXX XXXX I get a statement in the mail stating that they never received my payment even though I called and verified with them that they had. So they are threatening my credit with their incompetence and I guess I will have to hire a lawyer.
Product: Credit card

On XX/XX/XXXX I received an email stating that my physical Apple Card was expiring and would be replaced. The replacement would be shipped automatically. It did not arrive. 

On XX/XX/XXXX, I engaged Apple Card support via text message on my Apple device. They informed me the card must have been lost in transit and immediately processed a replacement card ( I can furnish screenshots of this conversation ). 

Today, on XX/XX/XXXX, I inquired about the status of my replacement as I had not received any communication about it since the text message exchange on XX/XX/XXXX. I was informed today that no shipping information was created for the replacement, and that they would process a *second* replacement card today. After submitting my address, I was informed that the address that Goldman Sachs has on file is different. So they provided me steps to check my address I have on file through my device ( Go to Settings > Wallet and Apple Pay > Shipping Address ) which was in fact my current address where I have lived since XX/XX/XXXX. 

After approximately 90 minutes of unhelpful communication ( having a huge bank gaslight a customer into thinking they don't know their own address is certainly a choice... ) it became clear that Goldman Sachs has a DIFFERENT address than my address. I suspect it is a former address of mine, however, per " XXXX '' on the phone with Goldman Sachs, there appears to be no way to simply update the address on their end. 

I believe this constitutes a serious problem with Goldman Sachs ' internal Personal Data policies and should be investigated. How many customers are having cards, statements, etc. sent to incorrect addresses? And Goldman Sachs has provided no way to solve this issue. Instead, multiple Apple Cards are apparently arriving at a former address. This does not seem safe or responsible for my personal finances. 

I am happy to discuss this in more detail or provide supporting documentation as necessary.
Product: Vehicle loan or lease

XX/XX/2022 {$14000.00} The car was repo and personal items inside it was never offered back and payment plan was never given due to my hardship and the car was sold. Still did not get my personal item and a XXXX is on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full company cant produce a statement hoeing where the acct was paid in full or even if I still owed money which I do not
Product: Mortgage

This is in reference to complaint # XXXX. The company 's response is incorrect ( copied attached ). I continued to make my payments because when I initially requested financial assistance for my account in XX/XX/2020, it was XXXX XXXX that I originally spoke with. XXXX stated that XXXX XXXX would be contacting me to provide me with more information and get me started. I didn't hear from XXXX until XX/XX/2020 after leaving several messages. After speaking with XXXX XXXX on XX/XX/2020, regarding the forbearance and filing the initial complaint, I received a call from a BSI Customer Service Representative named - XXXX on Monday, XX/XX/XXXX between XXXX - XXXX PST. She stated " after their investigation if they remove the forbearance reporting from the credit reports, our XX/XX/2020 mortgage will report as 30-days late, " so I responded " leave it '', she confirmed " so you want us to leave it '' and I responded " yes ''. Since then I have spoken to two different customer service representatives and requested the tape be pulled from my conversation with " XXXX '' on Monday, XX/XX/XXXX. In addition, I received an email from XXXX XXXX ( attached ) stating that our XXXX, XXXX, and XX/XX/2020 payments were all paid as agreed within the grace period and the forbearance status has been removed from the account. Nowhere in that letter does it say " your account will be reported 30-days late for XX/XX/2020 if the forbearance status is removed ''. In addition, our mortgage was paid in full ( documentation attached ) on XX/XX/2020, not XX/XX/2020, therefore, there should be no interest accrued on this loan past XX/XX/2020. As far as the call from XX/XX/2020, it was not communicated why those funds were not drafted only that it was not processed. I took responsibility for that because I was in the hospital at the time I made our XX/XX/2020 payment and during that call on XX/XX/2020, XXXX XXXX offered to waive the {$25.00} dollar fee for that reversal that was never waived. It was paid by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Mr. Cooper fka Nationstar is sending monthly mortgage statements with an arreage balance of more than {$250000.00} owed by me. I owe no debt to Mr. Cooper or anybody it represents. Mr. Cooper can't validate any debt I owe to them and should cease sending harassing mail through the united postal service committing mail fraud.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX at XXXX XXXX, I transferred my funds from XXXX to Coinbase in the amount of {$830.00} in which the funds were never credited towards my Coinbase account. The status from my XXXX accounts says its been confirmed and sent to Coinbase, however Ive never received the funds in my Coinbase account. The address that was used from to send the funds from XXXX to Coinbase is : XXXX. Ive reached out to both XXXX and Coinbase about this issue multiple times and both companies are telling me to contact the other company because theres nothing that they can do about this situation. Ive attempted to call Coinbase in which I was kept on hold for 2 hours with no response from anyone, along with submitting a claim with their support team in which Ive not yet heard any type of response yet. I have screen shots of the transaction and the multiple complaints Ive made with both companies.
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made XXXX XX/XX/2023 XXXX the amount of {$450.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Bank account or service

I am indisputably owed {$2500.00} from Chase. I was a victim of identity fraud through my Chase checking account when, on XXXX XXXX, 2016, a Chase banker issued a new chip debit card to someone impersonating me in West Virginia while I was traveling in XXXX and that person used that new card to withdraw {$2500.00} from my account. Because of this, Chase closed my checking account but withheld the {$2500.00} from me because it was still " under investigation. '' Chase completed the investigation and acknowledged on or about XXXX XXXX that the {$2500.00} was fraudulently withdrawn and that the remaining funds Chase kept while conducting the investigation ( {$2500.00} ) should be returned to me. I have made multiple calls to Chase and each representative told me to wait for the claim to be finalized before I would receive my {$2500.00} back and that they had until XXXX XXXX, 2016 to do so. I do now know why it took them another six weeks to finalize a claim that had been resolved XX/XX/XXXX. The claim was in fact finalized on XXXX XXXX and I was told a {$2500.00} check would be released to me and that I had to wait for 7-10 business days for this to arrive in the mail. I did NOT receive this check by XXXX XXXX and called again on XXXX XXXX and was told the funds were still " in suspension '' and had not been released yet but was promised that they would be released in 1-2 days and then a check overnighted to me and that I would receive a check by Monday XXXX XXXX. I did NOT receive a check by XXXX XXXX, so I called again and being told again that I must wait another 10 business days to receive this check. I have called to manage this at least 15 times over the past 3 months since this identity theft occurred. I have been told repeatedly that I needed to wait to receive a check and the new deadline passes and then I 'm told to wait again. I speak with a different person each time, including multiple supervisors, who all promise to call me back but I have never received even one phone call back. No one will give me a way to reach them so I start over each time with a new person each time I call. Each time I call I am then told something different by someone else, regardless of what " the notes '' say from my prior call, and each time I am told to wait again. It is now 20 days past the finalization of this claim and there is still no one who will assure me that this {$2500.00} is being sent to me.
Product: Mortgage

My home mortgage loan amount was paid in full on XX/XX/XXXX to Ditech. Ditech has not reported to credit bureau sinceXX/XX/XXXX. I have made at least 3 calls to the company ( XXXX, XXXX x2 ) to tell them to update this information to my credit because it appear on my report of owing {$110000.00}. This affect my debt ratio. I have received the run around along with fraudulent information from Ditech representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning to whom it may concern I am submitting an Complaint that I have with Transunion and XXXX   regarding XXXX XXXX account balance {$2300.00} this company is trying to collect a debt that I have disputed time and time again with them and the bureaus, along with the original furnisher of debt XXXX XXXX. However it always came back as verified with XXXX saying they would no longer investigate since there is no additional info. I then sent debt validation letters to XXXX XXXX and XXXX XXXX and all that was sent was an account summaries. This is not a accurate or acceptable means of justiying debt per the Fair Credit Reporting act. And with them not providing any instruments of indebtedness, ie original forms of signature, electronic signature or voice recordings. They have to delete. Please hold them accountable and have them delete this off of my credit profile thank you
Product: Debt collection

American Express has tried to sue me in court multiple times and all attempts were unsuccessful. They also contacted my family, business partners, and had debt collectors reach out to all of them. They even tried to get my family to pay the debt to them. Also, the debt was discharged and apparently sold to a debt collector yet they keep reporting my debt as delinquent even though it was sold over three years ago. They have made no attempts to reach out by mail or phone calls. 

This is pure harassment on their part by continuing to report me to a credit bureau when they no longer own the debt. They have had their time in court twice. The debt is no longer valid and they need to go off my report as the debt was discharged and this is a form of harassment on multiple fronts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX Balance : {$2.00} XXXX  XXXX Balance : {$110.00}
Product: Credit card or prepaid card

On XX/XX/20 I received a purchase confirmation from XXXX  for XXXX.I never made the purchase so I immediately called XXXX who put me in contact with the bank.The bank closed the account and supposedly the purchase was cancelled.I called the bank on XX/XX/XXXX to verify I wasnt charged the rep said I wasnt charged.On XX/XX/XXXX I received an email confirming shipment to the fraudulent address.I again called the bank to make sure I wasnt charged and the charge was on my account.They started a fraud claim and I again called on XX/XX/XXXX and the bank had no knowledge of a fraud claim so they supposedly started one.I checked my account today XX/XX/XXXX and the charge is still on my account I really dont know what to do at this point to have it removed this is the worst company I have ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 and XX/XX/2021, i sent letters to XXXX  and equifax about these inaccurate items on my report they have not verified or deleted them from my report. i sent them usps certified mail w/tracking # XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX i need help getting this matter resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 reporting or other personal consumer reports

In accordance with FCRA 605B, it's required to expunge any incorrect accounts from my credit report. Could you please review the documents? Certain accounts listed are inaccurate in terms of their reporting. Compensation of {$1000.00} per incorrect reporting on my credit file is in order.
Product: Credit reporting or other personal consumer reports

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute.

I want answers asap on these negative accounts. You have had ample time to investigate these accounts and provide me with a response and you have failed to do this.

I want these negative items deleted.

Documents are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to US Dept of Ed after my mortgage loan advisor told me that my account is showing past due. It appears that Equifax is mistakenly reporting the account as past due when really all of my accounts are current. US Dept of ed is stating that they dont see the error on their side so i need assistance having this updated.
Product: Mortgage

I have an adjustable rate home equity loan that originated with XXXX XXXX, was taken over by XXXX XXXX, then taken over by KeyBank. Roughly a 14 year old loan.

My loan terms include the option to convert to FIXED RATE at any time.

I went in to three local branches multiple times, and called the loan servicing department NUMEROUS times, over the course of at least 2-1/2 years, to inquire about using my fixed rate conversion option. Each time, I was referred out to a Loan officer for a refinance. I know where I went, who I spoke to, and short of recording phone calls and videotaping visits, I was declined each time and have no documentation. 
As recently as XXXX, I was AGAIN referred to a loan officer, and declined a refi.

ONLY when I complained to a branch manager about the loan officers HORRENDOUS customer service skills, did I find out that all this time, all that was required was a simple email request by a branch associate to complete the conversion to fixed rate. Bad training and unfortunately sitting with the wrong associates cost my husband and I thousands of dollars. HAD I NOT COMPLAINED ABOUT THE LOAN OFFICER, I WOULD STILL HAVE AN ADJUSTABLE RATE.

Ive reached out to The branch manager, XXXX, 5 times in XXXX - she refused to return ANY phone call. Not one. I am still a customer. 
The associates that I know I sat with, who admitted remembering me, and referring me to refi instead of converting in-house. Woman in XXXX had notes about me coming in. Then when I asked to use this info, changed her original response. 
The Mortgage Market Manager for east cost, XXXX XXXX XXXX, who said loan officers have no access or knowledge of fixed-rate conversions, and that they should be handled in the branch prior to being referred out. 
The regional Branch Manager XXXX XXXX who oversees all the branches I requested service, refused to return THREE VM phone calls. When I approached her in the branch, she said she would use the costly errors made on my account and horrendous customer service I received as a training tool. But do nothing to make things right.

Most disappointing was th Executive Response Team associate XXXX - refused to contact personnel in branches, told me recorded phone calls are only held for 60 days, notes on accounts only held for 60 days. Refused to allow me to plead my case with ANYONE other than HIM.

How many others are asking to take advantage of a right to origins, a fixed rate, one thats built into their loan, only to be referred out to a refinance department who has no ability or knowledge to do a simple in-house conversion.