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

XXXX is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ). 

Ive been a customer at XXXX finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in May of this year it expired. Usually its supposed to last for the whole lease term. So XXXX gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at XXXX and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from XXXX and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.
Product: Mortgage

I made a post on the company 's XXXX page. I was contacted by an employee named XXXX XXXX who works for CrossCountry Mortgage on his personal account. He proceeded to ask me for my loan information and other details which I was not comfortable with. I blocked him on XXXX. He proceeded to post screenshots of our conversation in a XXXX XXXX called " XXXX XXXXXXXX XXXX XXXX. '' I unblocked him and asked him to remove this post, he blocked me. I have reached out to CrossCountry Mortgage to inform them of the situation and never gotten a response. They violated my right to privacy and XXXX XXXX overstepped because he is not capable nor qualified to handle the situation I am facing. The company lied to me as well about recasting my mortgage payment and removing my PMI.
Product: Credit reporting or other personal consumer reports

Charge off amount incorrect and DATES REPORTING INCORRECT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have negative remarks on my report that I do not recognize and are unverified. I contacted the bureaus and creditor to validate and I have not received any notification or validation. I was informed that they would investigate this within 30 days. 

Please assist with me with this matter. 

TRANSUNION XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Account Name : XXXX I don't recognize this account Creditor Name : XXXX XXXX Inquiry XXXX : XX/XX/XXXX don't recognize this inquiry Creditor Name : XXXX XXXX XX/XX/XXXX XXXX : I don't recognize this inquiry XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX PA XXXX Unverified account Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX. 
Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I did not authorize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of XXXX dollars This is a violation of the FCRA and is also in violation of reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report therefore any information that is not true, accurate and verifiable is required to be removed.
Product: Debt collection

Portfolio recovery associates has threatened to sue me and arrest me. Portfolio recovery associates has harassed me and my friends and family. I am not even sure about what debt they are collecting because I am not aware of the debt they are trying to collect.
Product: Credit reporting or other personal consumer reports

I took an Affirm Loan out to pay for my XXXX order, I made all my payments on time DESPITE MY UNEMPLOYMENT, EVICTION, CAR REPOSSESSION, I HAVE NEVER BEEN LATE ON THE PAYMENTS FOR THIS ACCOUNT AND I WANT THIS LATE PAYMENT EXPEDITIOUSLY REMOVED FROM ALL CREDIT REPORTS ALONG WITH {$100000.00} AND MY ALL OF CURRENT LOANS PAID IN FULL OR {$100000.00} PLUS LEGAL FEES ALONG WITH THE LOANS ON MY ACCOUNT PAID IN FULL AND REMOVAL OF THIS ACCOUNT AND ITS ENTIRETY OFF ALL MY CREDIT REPORTS EXPEDITIOUSLY!!!
Product: Debt collection

i chched my credit report and noticed i had a collection from Credit Management LP that was opened XX/XX/2021 for {$320.00} with account number starting with XXXX that I do not recall and am not liable for. I never entered into a signed contract with credit management. This inaccurate collection is not mine. i would like all collection activity to cease and for this inaccurate collection activity to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I submitted a written letter to the three major credit bureaus to update the correct spelling of my name, my current address and employer my social security number and date of birth while requesting the removal of previous incorrect information. I mailed that letter on XX/XX/2024. 
XXXX, Transunion and XXXX denied my written request in a letter response to me sent via mail to my current address. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday   XXXX   XXXX   XXXX   I contacted  XXXX   XXXX   XXXX   XXXX  to refinance my car loan from  XXXX   XXXX . I submitted an application by phone to  XXXX   XXXX  tele #  XXXX   XXXX   XXXX  x  XXXX . After I gave verbal permission to run my credit and  FICO sco re I was informed my score was  XXXX . This is NOT possible since I just refinanced my home with a FICO score of  XXXX . I explained this and was told this is the underwrites decision. I obtained copies of my credit report & FICO scores on   XXXX   XXXX   XXXX   which showed  XXXX  Experian  XXXX   XXXX  &  XXXX   XXXX . Additionally I sent copies of my credit report from  XXXX   XXXX  who refinanced my home which shows  XXXX  ... see attached docs.   On Monday   XXXX   XXXX   XXXX   I applied to  XXXX   XXXX  to feri at a lower rate. Again I was shocked at what my own bank told me here is what they told me bUT would not disclose my FICO score.    XXXX   XXXX   XXXX  ext  XXXX  Application number  XXXX  Applicant  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  Vehicle  XXXX   XXXX   XXXX   Vehicle I dentification Numbe r ( VIN )   XXXX  Loan type Auto Refinance Amount requested {$12000.00} Amount approved {$12000.00} Interest Rate 11.49 % fixed rate Annual percentage rate ( APR  ) 1 11.929 %  APR Term 48 Monthly loan payment {$320.00} Loan closing date   XXXX   First payment date  XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two inquiries ( XX/XX/22, XX/XX/22 ) on my credit to open new cards with XXXX XXXX. Neither of these inquiries were made by me. I do not have a XXXX XXXX credit card. I contacted the company immediately after I was notified of the attempted opening of both cards, both times reporting it as fraud. They have done nothing about this and both attempts remain on my credit report as hard inquiries.
Product: Checking or savings account

I am trying to get a loan through a XXXX XXXX but TD bank is blocking me from enabling external applications. I would like to access my financial data.
Product: Mortgage

On XXXX my wife & I went to the local PNC bank branch to close a home equity line of credit. While reviewing the terms of the loan, the stated rate on the disclosures was different than what was disclosed over the phone, but the promotional rate ( half of the current variable rate of was correct ). It was determined that our loan officer misquoted our variable rate by about 1/2 percent ( per recorded phone call ). We left the office for the bank to verify this and retuned 1 couple hours later. We signed the loan documents and left the office. We drew {$4000.00} off of the line of credit and noticed the promotional rate was not awarded. I contacted the bank on or around XXXX and after multiple calls was told that I was not offered the promotion rate and no disclosure for promotion was in our file. I called to complain & was told no recorded phone calls were found and there was nothing they could do about it. I then posted something to social media on XXXX and was contacted immediately by PNC bank. After many back and forth emails, PNC admitted they had a recorded phone call stating the promotional rate was offered to me on XXXX. Their solution was to back date the promotion agreement to XXXX and start the promotional rate from that date. Our line of credit is for {$300000.00} and we were not able to pull the much-needed funds off of the line for over 2 months because of this. This seems unethical & unlawful. Also... All of my phone calls with them were recorded.
Product: Prepaid card

I closed my secured credit card account with BOFA on XXXX XXXX. I spoke with a representative who told me that processing time would take 14 days at which point the prepaid funds in that account would be deposited directly into my checking account. Apparently a physical check was issued to my address on file ( which was incorrect ). I was not contacted and told that a check would be issued instead of a direct deposit into my bank account. After 18 days of not receiving my money, I contacted secured credit services and spoke with another representative who informed me that they would have to put a stop payment on the check and reissue a request for the still owed funds to be deposited within another 14 days. I requested to speak with a supervisor and after a lengthy conversation he " expedited '' my request and told me it would instead be processed in 3-5 business days. 5 days comes and goes and I still have not received my money, so I contacted the bank for the third time and after hearing my problems a rep informs me that it will take another 10 days and that she was unsure why someone had misled me a second time. After asking to speak to a resolution manager I am told that it can take 5-7 business days to deposit the money owed and that she was also unsure why the expectation was set that I would receive owed funds in my account within the suggested time frame. Because I was not ever once contacted, I was unable to prepare for expenses ( as I was assured that the money that Bank of Amerca has been holding onto for over a month would be deposit within a timely manner ) and now am incurring late fees daily. I understand that there are processes in place for a reason, but those proccesses do not seem to be universal and change each time I speak with someone new. Had I known that this would be the case with BOFA, I would have already closed my bank remaining bank accounts as I can not trust that they will keep to their word and not hold onto my money for seemingly no reason. I have been loyal to BOFA since 2011 but am becoming increasingly frustrated as this has had a direct affect on my quality of life.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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 U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Product: Debt collection

Debt collector called this morning on behalf of XXXX XXXX XXXX( XXXX? didn't know how to spell her own name, first spelled it with an XXXX then a XXXX I had to ask her to spell it multiple times, she didn't even want to give the name. I think she changed the last name too. I'd want to check the recording. ) given spelling was " XXXX XXXX '', No debt collector license number, said she holds no license. called at XXXX to harass me in violation of cease and desist and the ongoing fraud case and bankruptcy. hung up on first call since I was very rude since she called me while I was writing a complaint about XXXX and was in no mood to be harassed, I called back. she denied things that she has no basis to deny. ( no one owes you money. no one broke into your home ; she would have no way of knowing, and yes they did. police report and contracts show they did ) lied about things etcetera. Very very inappropriate and irritating call. I asked to speak to a manager, waited for 20 minutes, no manager available, will call back at XXXX pacific. ( XXXX now ) as the manager is in a " meeting '' but was told to call back at XXXX eastern. cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

so- this is also a follow up on previous complaint for mohela. The attorney general received a letter from a lawyer on XX/XX/XXXX who stated that my request for refund was processed on XX/XX/XXXX and gave amount of XXXX as a refund amount from 30- 60 days although the letter was dated after the 60 days. ( see documents ) A month later you received a letter from Mohela stating that they were still trying to figure out amount I am actually owed which makes no sense seeing they already decided they were keeping the XXXX even though they were also payments made during the pandemic and applied them to loans that were not yet due. 

to this date, over 120 days PAST the processing date of XX/XX/XXXX, I have received XXXX money in regards to this. Someone is not doing their job and I am suffering due to this. 

I need this resolved as I am paying interest to the dept of health and human services and this is very unfair to me!
Product: Checking or savings account

Email sent to their phishing address after I came across emails regarding an account being opened. Received a letter XX/XX/2022 stating the account will be closed by XX/XX/2022 after an investigation revealed the account to be compromised or impacted by potential identity theft. I have also filed a complaint against Wells Fargo with the FTC.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my transunion credit report:1. XXXX XXXX Account Number:XXXX, Opened XX/XX/year>. 2. XXXX Account Number:XXXX.
Product: Mortgage

Nationstar Mortgage foreclosed on my home, but as it turned out, XXXX XXXX was the owner of the note as the trustee for a securitized trust. I did not find this out until after the house was sold, due to my status as a surviving spouse. I was not given information about the loan, or loss mitigation options. I am not a signer on the loan, and my name was never on the title to the house. I just found out that I lost my appeal and I am worried about eviction again. I do not want to lose my home of 18 years. Although I think that I should be entitled to homestead rights in Ohio, I am at a loss as to how to go about doing that. It was very difficult to realize that at the local level none of the national servicing standards set by the CFPB were observed in spirit or in practice. The attorney representing the bank was the only witness in my case, and he either did not care enough to put the facts together or he just lied to the court to save time. Either way, when an officer of the court uses the weight of his credibility to achieve illegitimate results, it just adds to the growing sentiment that justice is not blind but it is deaf. 
I recently found the actual trust that my husband 's loan is in. It is credit enhanced. I learned that means it is protected with loan level insurance. That means that there was an insurance policy on this loan. Also, based on the terms of the loan, a adjustable rate 30 year balloon, interest only loan, no money down ; and the fact that my husband died less than 2 years after the loans consummation, i think that there was another policy, called lender 's payment insurance. why was n't i informed about this? I recieved a tax document from nationstar with a box called XXXX, which has an amount for nearly double the face value of the loan. According to their website, it is called the gross foreclosure price. There are other websites that describe this box as the total amount recieved for the loan. If they recieved more than they were asking from me to foreclose, why would they also be trying to evict me and sell the house? Is that right? 
Is n't that called double recovery? He died in 2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX FALSELY REPORTED ON MY CREDIT REPORT THAT I WAS LATE FOR THE MONTH OF XXXX. MY PAYMENT WAS DUE ON XX/XX/XXXX AND I MADE MY PAYMENT ON XX/XX/XXXX SO HOW COULD I POSSIBLY BE LATE? XXXX XXXX RUINED MY CREDIT RATING AND BROUGHT MY SCORE DOWN DRASTICALLY. SINCE I'VE BEEN WITH XXXX XXXX I HAVE ALWAYS MADE IT MY BUSINESS TO PAY THEM ON TIME AND I'VE NEVER HAD A LATE PAYMENT. I AM TRULU DISTROUGHT AT THEIR ACTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Hirschberg Acceptance ILLEGALLY submitted a hard inquiry my credit report with malicious intent. I called them On XX/XX/XXXX to request a removal and purpose on the inquiry and they stated there was no reason. They are upset because I won a court case against them in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I sent registered mail to all three bureaus requesting as the consumer for collection accounts to be deleted off of my credit report. Under and according to 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

So as the consumer as stated in section ( 2 ) I am giving and have given you written instructions to delete the accounts that are in collection Account status that are on my consumer report that are being furnished by all three bureaus.

This has caused severe harm to me as a consumer and per violation as stated is up to XXXX in fines so please delete the items listed above that are in collection status. I am not asking you to verify any of the accounts listed I have opted out of all companies that are listed in collection status from them furnishing you information so please dont say you have verified the information because thats not what I am asking as stated in section 2 I have given written notice to delete the accounts furnished on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This care credit acct opened in XXXX was supposed to come off my report XX/XX/XXXX. I tried to resolve this issue and they kept it on.
Product: Debt collection

I have asked them to stop calling my family members and threatening them. Asking them where I live. I talked to them and asked them to stop calling and the man said absolutely not! He was harassing me on the phone and threatening me. Asking for my social security number. Saying they know who I am. When you google them on XXXX XXXX so many complaint. 
MNS associates. All complaints say the same thing. If I owe you, they will send a letter not call your friends and family to harass them. 

XXXX this is their number and if you block ot they call you from 20 other numbers