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

I have a open dispute XXXX XXXX different accounts that's reporting inaccurate information on my report XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all accounts are reporting inaccurate information on my report.
Product: Mortgage

I HAVE TRIED TO APPLY FOR A LOAN MODIFICATION SEVERAL TIMES WITH OCWEN, I NOW HAVE A SALE DAT OF XXXX/XXXX/2016 WHICH THEY ARE PRETTY MUCH TELLING ME TOO BAD!! I HAVE TURNED IN ALL MY REQUESTED DOCUMENTS MORE THAN ONCE, THEY SOMETIMES SAY THEY DIDNT RECEIVE THEM SO I AM FORCED TO RESEND THEM AGAIN. AFTER TURNING IN ALL MY DOCUMENTS I STILL DO NOT RECEIVE ANY HELP AND WHEN I TRY TO SPEAK WITH MY CASE MANAGER THEY ARE NEVER AVAILABLE! PLEASE HELP ME SAVE MY HOME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Product: Mortgage

Wells Fargo i was denied mortgage help so much and was strung alone for years i would be asked to submit documents and i did and then i would be told that the document time period expired. 
A loan officer signed my name and husband 's name illegal to the correct names on our license on mortgage documents i have problems every time i call in a payment, i am belittled and put through so much stress now my payment is 4 times what it was 5 years ago and i have missed a payment i was told several times that the bank not to pay mortgage insurance and taxes, after being told that there was a procedure where the bank would pay mortgage taxes. I have a thick folder of complaints dating back several years and nothing has been done about it to date
Product: Vehicle loan or lease

I le ased Honda ca r with American Honda Finance Corp ( account #  XXXX   ).    Upon signing a leasing agreement, I set up an online account wit h Honda Finance , with autopay option when all monthly payments automatically withdraw from the dedicated business checking account opened with  XXXX . In about six-seven month later,  XXXX  blocked the account for security reason due to suspicious activity. I got a call from the bank and during the conversation addressed all their concerns. And I was under impression after that  XXXX  will unblock my account and all scheduled payments will be automatically resumed too. But, in reality,  XXXX  policy is such that customer must call the bank and request to unblock his account, even though I did not request to block it at the first place.   And I was under impression after that  XXXX  will unlock my account and all scheduled payments will be automatically resumed too. But, in reality,  XXXX  policy is such, that customer must call the bank and request to unlock the account, even though I did not request to lock it at the first place and nobody suggested that during my telephone conversation.   When a truck driver come to our house to take the car out, I immediately called  Honda Finance  and offered a full payment for the rest of the lease term, which we had right to do according to the agreement. But instead of taking payment right away over the phone, the  Honda Finance  representative suggested that car has to be taken now, but tomorrow we should call and make payment via  XXXX   XXXX , motivated that account already closed and nothing can be done. Next day, when I called to the customer service, I was told that it is too late to do anything and that it happened because of a red flag was put on my account as my husband, who handles all finances, had a controversy with some of customer service representative. According to them, he was impolite and demanding with customer service personnel. It seems like a personal vengeance to me.    American Honda Finance Corp.  violated my leasing agreement and intentionally and misleadingly re-possessed the car just several months prior to the end of lease date.    American Honda Finance Corp.  intentionally damaged my credit history and my reputation as a responsible consumer.   Even more,  American Honda Finance Corp.,  is attempting to collect the amount of {$5800.00} which is almost three times higher than my payoff amount was.   Just recently I received a letter from a collector,  XXXX   XXXX   XXXX   XXXX   ( r ef. accunt #  XXXX   )   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  Phone :  XXXX  and from  XXXX   XXXX   XXXX   XXXX   ( ref acc  #  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  Phone :  XXXX  demanding payment of {$5800.00} Please help to obtain a full accounting info and all communication recordings with customer service representatives from  XXXX  software and to restore my reputation as a responsible consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX {$1000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX  {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting late payments on this account and that is incorrect, I want these late payments deleted as this is hurting my credit score. The account is XXXX  XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I received a message from XXXX of a score decrease of XXXX points Due to my capital one quicksilver credit card Balance being paid off in full decreasing the {$70.00} balance to {$0.00} this has negatively affected my ability to purchase a home.
Product: Credit reporting

I have filed disputes with Experian regarding files on my credit report. Items that should be removed. Experian appears to be processing them and not investigating the matter properly. I have sent letters via certified mail demanding an insight in how these investigations were conducted, who was contacted, names, dates, and so forth as allowed under the FCRA. Experian has not responded nor sent information regarding this matter back.
Product: Debt collection

CBE collection is reporting an amount of {$200.00} for XXXX XXXX XXXX which is now XXXX. This is false! I paid the {$200.00} to XXXX XXXX last year in XXXX or XXXX to restore my services of which I have cable services with to date. I spoke with XXXX XXXX at XXXX if payment and requested they remove debt the representative called their collections department and assured me it will be taken care of. I called a representative yesterday and explain this and request they take care of ASAP he advised me to call I requested XXXX XXXX call and confirm debt is paid because they are the XXXX that can verify that. Rep stated they will contract CBE and follow up with me. Im not confident this will happen because I was assured it would be taken care of last year.
Product: Credit reporting or other personal consumer reports

Midland mortage loan Paid off XXXXthe still show my credit report the dont remove my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through XXXX car sales. The sales pushed me to get a loan while I was planning to pay cash. I had no idea I got into the loan with XXXX XXXX XXXX which is the biggest mistake I made in XXXX! 

Here is my miserable experience with XXXX XXXX XXXX I did not receive another loan statement/or documents till it was overdue. During this time, I continue to receive decline of loan application notices from XXXX XXXX XXXX. 
I got a call from customer service stating my payment was overdue in XXXX. I told the customer service that I am going to pay off the balance and please don't report to the credit bureau. I spoke to multiple customer services and stated I am going to payoff the balance. Finally, I was informed to email to the check to a XXXX XXXX XXXX Maine. 

I mailed the check on XX/XX/XXXX and the payoff check was deposited by XXXX XXXX XXXX on XX/XX/XXXX. My XXXX XXXX was impacted on XX/XX/XXXX because of the delinquent reported by XXXX XXXX XXXX. 

Early XXXX, I received a letter from XXXX XXXX XXXX saying XX/XX/XXXX is the LAST DATE for PAYMENT, we may exercise our rights under the law. 

I thought the check was deposited by XXXX XXXX XXXX and I ignored this letter. 

A week ago I was applying for a mortgage and found out my XXXX XXXX dropped to XXXX from XXXX and I was told by the banker that XXXX XXXX XXXX reported delinquent. 

There was no emails, mails or phones to inform me about my credit score and about my payoff date ...
Product: Credit reporting or other personal consumer reports

Between XX/XX/2023, and XX/XX/2023, XXXX XXXX XXXX XXXXXXXX credit card balance decreased by {$14000.00} from {$14000.00} to {$27.00}. 

At that same time Trans Union cited this decrease in the amount owed to XXXX  XXXX XXXX as justification for DECREASING my credit score by XXXX points! 

Trans Union has refused to explain this change in my score. They responded by merely sending me a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing 5 late payments for XXXX XXXX, I have asked for detailed report from XXXX XXXX  twice. I receive nothing it has been over 30 days that I ask for detailed information about these late payments. I was never late on my XXXX payments 5 late payments severely ruin my credit and it is extremely frustrating to get no response and when I do get a response XXXX gets nothing resolved. This is hurting my credit drastically. I ask for your help in this investigation and please help me to get these late payments deleted as they have been falsely reported
Product: Credit reporting, credit repair services, or other personal consumer reports

For about a year now, I have not only had inaccuracies on my credit report, but I am also having issues receiving an updated credit score/account info from XXXX. Account status and balances are incorrect, and causing further issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint to inform you that I am a victim of identity theft. The items I am disputing today have no connection nor affiliation with me and my transactions. 

Please remove the listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

PHH Mortgage via their representative are stating multiple different things while charging for insurance they've admitted to the CFPB isn't necessary, but lied about the date the policies were cancelled.

Attached is documentation showing that they've been supplied the insurance documents prior to the commencement of the TPP and failed to update the information in their system despite claiming to " review '' the matter. It took me personally uploading it on a third-party website, which evidence is attached, to show that I had insurance going back nearly a year ago - and have never been without insurance. In fact, as the information shows, they had MULTIPLE policies on my property. 

On XX/XX/XXXX they stated " The breakdown of the trial payment is Principal and Interest : {$2100.00} and Escrow : XXXX. The account will be escrowed for the taxes and insurance both even you pay your own taxes and insurance per investor guidelines. If you would like to send a copy of your homeowners insurance policy to us to ensure that we have the correct policy on file you can. If the trial plan is successful and a permanent modification is entered into, the foreclosure judgment will be vacated and the foreclosure dismissed. '' As they indicated - they are stating that the investor is requiring forced place insurance. 

They claimed they sent the policy to be updated - they did not. As the attached images show - it was in fact NOT cancelled and was active throughout the month and doesn't " cancel '' until XX/XX/2021. 

They also are violating my religious tax exemption. My XXXX, XXXX XXXX, reached an agreement with the Treasurer in XX/XX/2021, which is shown by release of tax liens and debt. 

All parties for PHH, including counsel, are acting in bad faith. PHH own website shows the payment listed as {$3100.00} - another different amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX XXXX ADDRESS XXXX XXXX  XXXX XXXX CA XXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX  XXXX ACCOUNT # : XXXX XXXX i ask for the companies involed to do a proper investigation and delete this fraud account please and thank you THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER IDENTIFIES AS IDENTITY THEFT MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit card or prepaid card

I have a credit card account with Discover and I had deselected autopay in their app on the XXXX of XXXX of this year. The beginning of XXXX I am charged again, so I go back into the app to deselect autopay and find that I can not so I assume that I misremembered and logged in online through my browser. The option to unenroll from autopay displays in the browser so I deselect it and save changes and assume that everything is done. I truly believed I had misremembered due to stress. I had 8 years experience with being lied to and misdirected as of last year, I won't let anyone treat me like XXXX had ever again, and I spend 4 days ruminating about if I actually misremembered or was I remembering correctly. XXXX I am charged again, but this time I know I've unenrolled! I log into the app, no option to unenroll displays but instead a link to a help article and I am frustrated. I delete my financial institutions from the Discover app, and call customer service. The representative can only see when I've logged into the system, and dates are missing, and I request to have my call transfered to a tech dept or similar as the issue with autopay is not a user error and I need those funds back to file in court against the company that over-charged my Discover card! My call is disconnected after the person I am transferred to confirms my account and identity. I had been allowed a refund, which has posted to my account, but I know others who have had similar functionality issues with financial institution digital access portals, and do not trust Discover to take me seriously. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made agreement to delete and they are still reporting
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so, XXXX refused to accept payment over the phone and agreed they made the error.. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Debt collection

Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XXXX and the last time I had made a payment was XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent XXXX, XXXX XXXX and Experian certified letters regarding two inaccurate and unknown things on my credit report. I looked at my credit report today and I have not received no response. Yet my credit score continues to plummet. I feel I am being taking advantage of and my dispute letter is being ignored. According to Fair Credit Reporting Act Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I am just obeying the law. Since 30 days have passed and I have not gotten any response from them and my credit score has gone down, I demand those phony accounts be deleted or I will file for litigation due to stress on my life. Trying to call them is a waste of my time because the answering service tells me they can't take my phone calls today and to call back later and hangs up. Because of their negative reporting, I can't rent an apartment, forget buying a house and can barely get a credit card. I am tired of getting rejected every time I apply for credit card. My information was also impacted by XXXX, XXXX XXXX and Experian data breach and have gotten into the wrong hands of the wrong person. How do you think I feel?
Product: Debt collection

On XX/XX/2019, XXXX setup appt for XXXX to service my snow thrower. The technician serviced my snow thrower. Afterwards, I paid by credit card and the technician gave me a receipt. I called my credit union to verify the payment was charged on my credit card. I called XXXX customer service to get a receipt and they emailed me a receipt with the technician ID number and the full amount. For the last 3 months, I've been receiving letters from XXXX collection dept. stating that I owe {$120.00}. I just recently received a phone call from The Receivable Management Services LLC. The representative was rude, loud talking me, while I was explaining that paid the amount in full and have proof of payment. The representative hung the phone up on me. Now, they're sending me letters stating I owe the amount. I've sent two ( 2 ) letters and a copy of a receipt from XXXX customer service dept.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/year> I received an alert in my PC that my financial account was hacked. 
I called the # and they directed me to " XXXX '' which in turn connected my computer and phone to an individual who ran a program that stated I had a {$19000.00} charge on my account to XXXX XXXX. He said to install " XXXX '' in my phone. At the top of the page it read ANTI-FRAUD AGENCY OF FBI. Assuming this was legit I complied. His next request was go to the bank withdraw funds and go to ATHENA ATM machine to deposit funds and that money would be held in a secure account via TRUST WALLET. A total of {$22000.00} was deposited. He also asked me to purchase gift cards from XXXX and XXXX. I also deposited funds into BITCOIN DEPOT. Approx {$17000.00}. Then he wanted me to withdrawal money from my HELOC account. At that time I shut him down blocked his number and uninstalled the XXXX app. 
By this time I had depleted by funds and kicked myself in the fanny.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern : The following accounts below have been disputed with the major credit bureaus and the original creditors because the details attached to these accounts are incorrect and inconsistent between bureaus.
Product: Debt collection

On XX/XX/XXXX He capital retail bank states that I opened an account. Which is false I never opened this account. On XX/XX/XXXX the company states said account went into collections. In XX/XX/XXXX this company was sued and settled with you file number XXXX. In XX/XX/XXXX company changed its name from XXXX XXXX XXXX XXXX  to XXXX XXXX. In XX/XX/XXXX cavalry said they acquired this account. On XX/XX/XXXX cavalry states they sent a notice of debt. The notice was never received by me. I was out of the country due to being a armed forces service member. The company states they did not receive a dispute or validation request within 30 days. This is because I was not in the county and never received said notice. If the company sent the notice certified they could have known I never received it.on XX/XX/XXXX the  company states they sent me validation of debt which again was never received and i was again out of the country. I have been disputing this account for years. the company then sent me a validation copies of old bills with just a name and address. An address which I've never lived at and that reflects on my credit report. A name which shows over 189 people with the same name in XXXX FL. I would like a copy of the original application along with a signature page to show this debt is no mine and never has been. The account has already been removed from one credit report just waiting for the others. This is a stressful and unfair way of doing business. If you can not be sure that someone received a notice you should not be able to try and then throw a debt that doesn't belong to them since you never received a dispute.