23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The mortgage company ( loandepot ) overpaid my property tax XXXX quarters in a roll for XXXX and XXXX XXXX. They made payments of {$7000.00} for each of XXXX and XXXX XXXX, but the actual amount due is only {$3500.00}. The total overpayment was about {$7000.00}, i.e. they maid double payment XXXX quarters in a row. 
Please refer to " Loan Activity.pdf '', the payments are : 1 ) XXXX dated XXXX/XXXX/XXXX 2 ) XXXX dated XXXX/XXXX/XXXX Please refer to " Tax Inquiry - XXXX XXXX XXXX '', the tax due are : 1 ) XXXX dated XXXX/XXXX/XXXX 2 ) XXXX dated XXXX/XXXX/XXXX I only discovered this issue around XXXX XXXX when they increased my monthly deduction claiming a shortage in the escrow account. 
I started contacting them to resolve this matter in XXXX XXXX, up until now the matter is still unresolved. The supervisor assigned to my case was extremely unresponsive and difficult to get hold of. I made multiple attempts to contact him only to be forwarded to a line that does not get answered. On multiple occasion, I was promised a callback but it never happen.
Product: Credit card or prepaid card

On XX/XX/2023, received Bank of America letter/notice that a credit card application was received in my name. The notice is dated XX/XX/2023. The reference number is XXXX. I contacted my local police department and I attempted to contact the banks fraud department ( it is closed on the weekend ).
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my consumer credit report from your bureau and wish to contest the accuracy and completeness of certain information therein. This information is adversely affecting my credit report, and I request that you rectify it without delay. 
I trust that a period of 30 days is adequate for your investigation. Following your inquiry, please furnish me with an updated credit report, along with the names, addresses, and phone numbers of the individuals contacted. 

I insist that you immediately cease reporting these accounts as delinquent on my credit report. Failure to adhere to this request may lead to legal action against your agency. 

The disputed information is as follows : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Number : XXXX Date Posted : XX/XX/2020 Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Dispute Declined We have closed your dispute Dispute Number : XXXX Date Posted : XX/XX/2020 Merchant Name : XXXX XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Dispute Declined Sincerely, XXXX XXXX Wells Fargo Claims Assistance Center XXXX Well Fargo XXXX XXXX credit card ) Yes I got this letter from XXXX saying that I never upload any paper work or document to help supporting documents? but there was never anything mention as to how I can, so i find that to bugging..Also, I have been working 2 jobs just to help out my family since most of them are laid off and i don't want to provide too much information about my personal family, just realized when you guys call me monday through saturday i'm mostly working and i won't have a phone with me due to 2 jobs unless you guys want to pay me ... .i 'm only off on sunday ... i'm already stress out and i'm sure you guys know the world is in danger. I never accepted or gotten anything from XXXX so i'm not sure what is going on ... i'm gon na upload the document here and file my complaint since things seem unfair, i can't even get in contact with XXXX and i don't know what they claim with me accepting any items from them that i never gotten!
Product: Credit reporting or other personal consumer reports

I traded in a vehicle on XX/XX/year> that was financed through Toyota Financial Services. I have a purchase agreement with my new vehicle through XXXX that included my trade in vehicle. However, I have a late payment on my account for XX/XX/year> from Toyota Financial Services, even though my previous vehicle was traded in before the due date ( XX/XX/year> ). I called both XXXX and Toyota Financial Services. XXXX gave me proof that they had sent the check for the trade in the very next day ( XX/XX/year> ) which included a tracking number. I followed up with Toyota Financial Services and they had told me that once the check from XXXX was cleared, they would take the late payment delinquency off of my account. However, I still have a late payment on my account and both parties claim that they have done their portion. I filled a dispute through XXXX, and while they have closed the XXXX account as off XX/XX/year>, they have not taken the delinquency off my account. My credit score has dropped over XXXX points because of this and I have never made a late payment on ANY of my credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card

Called on my XXXX credit card for a balance transfer of {$2400.00} to their account. Had always liked this company and was given good service in the past. After going through the typical security questions, I was transferred to another person who only handled security. That person began asking if we had ever owned ( and then gave a list of XXXX-XXXX cars ), that happened 4-5 times. We have been married 52 years and do not remember all the cars we have owned. Finally remembered one she listed. Then asked my husband if he had lived in only one state. Answered no, told her which ones and then she asked from which state his social security number had been issued. It continued with asking about our children. By name, about our daughter who has been out of the house for 26 yrs and is married, where does she live. Then about our son who has been out of the house for 4 yrs. And then about our son who lives with us, age XXXX. During this time of questioning we began asking how does this info apply to this situation and where did they get this info. Was told that all of it is public info but no answer was given on who provided this info to them. At the end, the security person finally gave her approval for us to do what we wanted ( a balance transfer ). At which point we declined, because we had no idea where all of this was coming from, and did not feel safe in proceeding. We let them know throughout the whole issue that we had never gone through anything like this and did n't feel this was right. And for the record, we called one of our other cards and had it done in less than ten minutes. We called the XXXX and they told us to call the Attorney General 's office in OH and they referred us to this agency. All said this did not sound right to any of these agencies and that we should continue to report this especially the questions about our children. They had never heard of anything like this.
Product: Credit card or prepaid card

In XXXX XXXX 2021 I ordered a piece of furniture that never was shipped. I inquired and through an text exchange I was offered and accepted a refund. Unbeknownst to me, the customer service rep instead ordered another piece and charged me for it. 

On XX/XX/2021, I filed a dispute with Comenity Bank and attached a copy of the text exchange clearly showing I was offered and accepted a refund. I never authorized another order. Comenity still has not ruled on the dispute. I was forced to pay the balance with late fees. Emails to them are answered with, we are aware and are investigating the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters of dispute to Experian requesting to remove invalid and inaccurate information from the Credit Report they are selling to their clients about my credit worthiness. I have requested that the company supply me with the method used to verify this inaccurate information in a letter on XX/XX/2018. I did not receive a response to the method used or my questions on how their information was verified but rather a form letter saying it was accurate. The questioned and inaccurate reporting of accounts listed on the report remains as they were. The accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Student loan

My last payment to navient when I defaulted my private student loan was XX/XX/XXXX of XXXX. 
I thought it was XXXX so I submitted a dispute with the credit bureaus. Navient has been reporting as charged off account since XXXX and that it was a XXXX XXXX  XXXX wrote off. At that time I was penalized drastically on my credit report by about XXXX points. I understand XXXX defaulted the loan. 
But not further payments were made. After I just disputed on XX/XX/XXXX I received an update from the bureaus that I have a new missed payment. 
The account status now shows on time and first missed payment was XXXX XXXX  XXXX. 

Spoke with the bureaus on recorded lines today and they said last activity was XX/XX/XXXX and that navient is supposed to fall off my credit report in XXXX XXXX XXXX. 

Navient re-aged my credit report making it to where I am now dinged XXXX years after I was already dinged on my report which is understand is not supposed to happen. 

Navient re-aged my credit report because I am at the XXXX for XXXX at XXXX  years and XXXX year from it being off my credit report. 

This loan is old. No recent payments. Last activity in XXXX. Loan shows charge off. I have not spoken with anyone regarding my student loan, attempted to make any payments, or received any calls from debt collectors. 

This is an inaccurate reporting on my credit report and should be adjusted to be accurate no false. 

Open dispute with XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally complaint about EXPERIAN 's handling of fraudulent information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I found a collection account on my EXPERIAN credit report that I did not open or authorize. The details of the fraudulent account are as follows : XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) XXXX DATE OPENED XX/XX/year> BALANCE {$5600.00}. This account is a result of identity theft, as I have no association with it. Despite filing a dispute with EXPERIAN, this fraudulent entry remains unresolved. Under the FCRA, specifically 15 U.S.C. 1681i, EXPERIAN is required to investigate disputes promptly and ensure the accuracy of information reported, which they have failed to do in this instance. Furthermore, 15 U.S.C. 1681c-2 mandates that a consumer reporting agency must take steps to prevent the inclusion of fraudulent information in a credit report. I have also provided a copy of my FTC Identity Theft Report with the report number XXXX and other relevant documentation to EXPERIAN.
Product: Credit reporting or other personal consumer reports

Aidvantage continues to report the consolidated loans to the credit bureaus, while the loans are continuing to accrue interest and the balances continue to increase which is negatively impacting my credit scores and credit profiles. My latest credit bureau reports state that the balances on that consolidated loan balance has increased again. That solely decreased my credit score. 

Here is what the US. Department of Education is saying about forbearance and interest on borrower defense approvals. 
" Title 34, Subtitle B, Chapter VI, Part 685, Subpart D, Section 685.406 ( 1 ) Approval of a Borrower Defense Claim. If the Secretary approves the borrower defense claim ( i ) The written decision states the Secretary 's determination and the relief provided as defined in 685.401 on the basis of that claim.

( ii ) The Secretary places a borrower 's Direct Loans associated with a group borrower defense claim into forbearance until the Secretary discharges the loan obligations under 685.212 ( k ). If any balance remains on the Direct Loans not associated with the borrower defense claim, those loans will return to their status prior to the claim process. The Secretary resumes collection activities on those Direct Loans not associated with the borrower defense claim no earlier than 90 days from the date the Department official issues a written decision. No interest will be charged on the loans during the forbearance period. " Those consolidated loans are a part of the Borrower Defense to Repayment approved application and they are supposed to be discharged and the tradelines deleted from my credit profiles. While in forbearance and awaiting discharge they should not be accruing interest. Why is interest still accruing? 

XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I made a Bank of America, Automated Teller Machine ( A.T.M. ) deposit of three refund checks from XXXX XXXX, two of the three checks were held for fraud on approximately XX/XX/XXXX, the fraud department locked access to my on-line account. 

On XX/XX/XXXX at approximately XXXX I tried gaining access to my locked on-line account at a Bank of America branch located at : XXXX XXXX XXXX , XXXX XXXX , OH XXXX. XXXX called the XXXX XXXX Police Department at approximately XXXX requesting to trespass me from the Bank of America on XXXX XXXX XXXX. in XXXX XXXX, Ohio because I refused to leave until a banking representative was available ( up until XXXX ) to unlock my on-line account. ( XXXX XXXX Police Department, Event Number : XXXX ) I was harassed by XXXX while waiting for a banking services representative to unlock my on-line account and ultimately denied access to the Bank of America on XXXX XXXX XXXX. in XXXX XXXX, Ohio because XXXX a Bank of America Representatives request of law enforcement to issue an unsubstantiated trespass.
Product: Credit reporting or other personal consumer reports

My identity was stolen for tax fraud im not sure when but i received a letter in the mail saying i owe XXXX when XXXX only XXXX turned XXXX this year of XXXX so im not sure who tried filling my taxes, someone also stole my identity when i lost my wallet back in XXXX opened up accounts im not sure of ( XXXX, XXXX ) and also gained access to my XXXX  account and were trying to commit fraudulent activities. i also NEVER gave any of these companies permission to run my credit, this fraudulent ( capital one, XXXX XXXX XXXX and these other banks im not sure of )
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 account name/ XXXX XXXX personal credit card. Has violated my rights 15 usc 1681 section 602. States I have the right to privacy. 15 usc 1681 section 604.A 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions and crimes which antedates the report by XXXX years. 15 usc 1681 1s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows 2 of the same debt from XXXX XXXX  for {$1600.00}, This is causing my debt to appear higher than what it actually is. I have called the creditor and a manager at cXXXX XXXX confirmed it has only been reported once and to contact Equifax. I have contacted Equifax and the representative was unable to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have two credit agencies to report accurate information over the last XXXX to XXXX times. I have sent in formation to show that they aren't reporting accurate information. They explain to me that they either didn't not receive my information or the following account came back verified. The information I sent was by mail, online, and by phone. I request the following information to be deleted due to the inaccuracy of reporting with a copy of the original document from the original source. I have gotten hung up on for trying to have them report my information correctly. I have sent several document to both credit agencies to have these things updated or delete several accounts. 

Both of these credit agencies have violated section 15 USC 1681b, and the right to fair credit reporting by respectfully verify with accuracy and investigate with the creditor. 

I respectfully requested to be provided proof of the alleged item, specifically the contract, note or other instrument bearing my signature I have requested even for permissible purpose or proof that I applied or initiated these inquiries and as well remove the following inquiries that didn't have my permission, plus I gave them the list of following inquiries They continue to report the many negative things on my credit with no validation, without my acknowledgement and consent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not remove old deragotory information from my credit report.  It is more than ten years old. The statute of limitations has expired.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted CITICARDS CBNA and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2015 with a Balance of {$6000.00}. Other than been fraudulent, the bank is still reporting a balance of {$6000.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.
Product: Checking or savings account

On XX/XX/2022 at XXXX pm, I received an email from XXXX. 

In short, it read " we were unable to approve you for a Bread Savings Account. '' The issue is, I have never applied for a savings account, or any other product at Bread Savings. 

I called XXXX, XXXX, at Bread on XXXX XXXX at XXXX am. She said they have no record of me. When I asked to verify if the above was their email address, she couldn't be bothered.

When I asked to be transferred to Account Protection or Fraud, or website security investigations she just refused.
Product: Vehicle loan or lease

I have an auto loan through Westlake Financial and I recently noticed that for atleast the last few months of 2023, my payments were not going towards the principal balance. They didnt apply payments to the balance but applied interest to it and my loan amount never decreased during those months. I've tried calling several times and it's difficult to get a live person on the phone. When I do, they transfer me around and I always get sent back to an automated call or hung up on. I have the statement for proof. They refuse to speak to me about this matter and get it resolved.
Product: Credit reporting or other personal consumer reports

This is in response to complaint XXXX. United Revenue failed to provide documentation presenting any liability I have with them. The alleged debt with XXXX  XXXX is inaccurate. I have not held a balance of {$980.00} with the original creditor, nor do I owe a balance to United Revenue. Furthermore, United revenue failed to provide their license to collect debt in the state of Texas. I was not presented with the forward flow agreement which I have this right as a consumer. When a debt is sold, the consumer is to receive correspondence via mail, which was never the case. I also wish to emphasize that, even if this were my account, I have never received any correspondence, such as a 1099-C, which would allow me to audit the reported information. As per the IRS guidelines, I have the option to file Form 3949a for illegal tax violations, and I sincerely hope it does not come to that. Any liability that was held with XXXX XXXX  has since been satisfied. I will be moving forward with legal action if this account is not removed from my XXXX report within 7 business days.
Product: Debt collection

creditor claimed negative marks on credit report and that the account was considered late when no payments or contact was ever made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX, XXXX and Equifax that I have things reporting on my consumer report as a result of identity theft. I have also sent an identity theft report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report that were opened or reported as a result of identity theft related to a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent accounts removed from my credit file. 
Please block and delete the following accounts due to their fraudulent nature : XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$31.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX - XX/XX/XXXX - {$380.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XXXX - XX/XX/XXXX - {$5500.00} XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$900.00} XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$880.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting or other personal consumer reports

Statement Recently checking my credit report I noticed that Ive been a victim of identity theft and found numerous credit inquiries that I have no knowledge of hear are the inquiries I found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent items from my credit report. I also attached my identity theft report as well