23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am filing a complaint against NCC Business Services located in XXXX, FL ( Phone Number XXXX ). When seeking a pre-approval for a mortgage, I discovered that NCC Business Services had reported XXXX eviction entries on my account. XXXX was a collection account entry and the other was a court judgment entry for the same matter. After contacting the court, I discovered that the court case was in the name of XXXX individuals whose names are not mine. After contacting NCC, I was also informed that my social security number was not in their system at all, and that there was not a social security number associated with the aforementioned account ( based upon their records ). 
I promptly informed NCC that these inaccurate entries were preventing me from qualifying for a mortgage, as well as preventing me from renting another house, and that I needed to move in two weeks. I provided them with my documentation and was told that they could not tell me how long it would take to resolve this matter. When I asked whether they could provide me with documentation showing that the entry was not accurate and that they were in the process of removing it ; I was told no. I explained that my family would be homeless, and they indicated that there was nothing they could do about it. 
When I inquired about how my social security number was associated with this account, or why they inaccurately reported my information, they would not tell me. Instead they told me that asking questions about the matter would not resolve the issue, and that I needed to follow all their requests by providing additional personal documentation. When I informed them of my concern of providing additional information, when my personal information was already compromised, they said it was nothing they could do about that. Every time I asked any question regarding this matter, they informed me that I was not going to resolve this issue by asking questions, only by submitting additional documentation. Finally, when I asked to speak to someone above the manager, I was told that he was not available. I asked was he ever available and was told that he would tell me the same thing. I asked again for the contact information of the person above the manager and was provided with the name of XXXX XXXX, VP of Operations, and then given a non-working number. 
NCC Business Services made a terrible error in reporting inaccurate information to my credit report, and did not follow appropriate or legal measures in ensuring that they were reporting accurate information to my credit report. In addition to making this error, they have failed to even take responsibility for this error, or provide me with an immediate resolution.
Product: Credit reporting

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I do not have the financial ability to be represented by an attorney. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me why is they are choosing to not accept my letter and my humble request for an investigation of my accounts?
Product: Debt collection

COLLECTIONS Cr World S Opened XX/XX/2017 - {$1000.00} Original creditor : XXXX XXXX XXXX XXXX
Product: Mortgage

In contract to purchase a new construction home with a builder and lender that are affiliated in the amount of {$220000.00} XX/XX/XXXX. They offered {$5500.00} in closing costs if I used this lender. Second week of XXXX, I Requested that the Rep hold on pulling my credit because I knew a higher credit score was going to be reflected on the new report. Credit report was a day or two from expiration. Rep kept telling me that I should get a FHA loan which I did not want because the PMI never falls off. I asked the Rep why I was not qualified for a 5 % conventional loan. I repeatedly asked for the rep to provide the 5 % conventional scenario. His explanation was that I did not make enough money minus my overtime. I gross over {$10000.00} a month with consistent overtime and without the overtime it's {$6500.00} I believe I was being pushed into an inferior loan product and the underwriter denied my loan abruptly without receiving updated pay stubs, updated employment verification and an updated credit report. I also believe the rep did not listen to me or provide accurate information to get the loan approved. I stated to the rep that the current home that I live in, that I plan to get off the deed when I purchase the new home. I don't believe this was ever communicated. Due to the lack of communication with the sales rep and the denial from the underwriter I felt a distrust moving forward with this lender. I switched lenders and got approved within a few days for a 5 % conventional loan-this was the same type of loan product I kept asking the rep to provide the scenario for me and he never did. I believe that my denial letter was unjust and my need to switch to a competent and fair lender was warranted. I did research on mortgage denials and who gets them. Unfortunately me being an XXXX XXXX  woman puts me in the category of being denied a home mortgage statistically. I requested that the Builder honor the closing cost credits with the new lender. The sales rep stated she took it up to higher management on both the builder 's end and lender 's end and that there is no budging on allowing closing costs from an outside lender. I believe I am being penalized when it was the builder 's lender that was ineffective, incompetent, unjust and biased. My new lender stated that she did not know why they did not approve my loan. I have excellent credit, on my job 2 years etc. I would just like to be made whole and receive the closing costs that I would have gotten if the Builder 's lender wasn't incompetent/unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my defaulted student loan with Texas Guaranteed last XXXX 2016. I just received a credit alert from my credit monitoring service stating that Texas Guaranteed has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XXXX XXXX, 2023 and notice there were hard inquiries that don't have permissible purpose to be on there. these hare inquiries are hurting me for getting approved. i already reached out to the credit bureaus about this multiple times they keep violation my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have no purpose to be on my credit report.
Product: Vehicle loan or lease

I reported a problem to gm fraud and XXXX XXXX   attempted to cover up For the dealership which is not in accordance with Missouri state law or accessing credit report. They write me on XXXX  saying someone would contact me but has not yet. Gm is committing anti trust by not offering my llc .. XXXX XXXX the same loans it offers XXXX  business owners in my area.
Product: Debt collection

Paypal Synchrony bank claims I had an account with them, a line of credit. When I login to paypal it is not listed, and has not been for a long time. out of nowhere, I recieve a call from a collections agency. I find out the debt originated with paypal synchrony bank. I called them and they said they had a wrong address, and so they charged off the debt. However, I was not notified in writing, email, or phone call that I had an open line of credit, or that I owed money. When I asked paypal about this, they said they didn't know why they didn't try to call or email me. I am signed up for digital statements and they have my phone number.
Product: Mortgage

I missed one mortgage payment of 2019, and my mortgage company is not giving me any reasonable way to pay that back. They claim I either have to pay in full, or pay balance in two months more than doubling my mortgage payment beyond what I am capable of paying. They refuse to give me any other options, and I can never reach my assign poc who is in charge of my account. I feel as if I am being discrimated against for being a veteran and they constantly give me the run around to collect late fees from me. I have alright stated I would commit to a repayment plan, and gave a XXXX dollar deposit. That leaves XXXX owed for that payment, but they want me to pay over 1000 for two months not including my regular mortgage payment of XXXX effectively making it XXXX a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing my credit card charges for the last few months I found a number of charges for " Experian Credit Report '' -- including two in one day for {$19.00}. Like many of the complaints about Experian indicated, it is VERY difficult to reach a human being ; clearly this is intentional because there is no option in the automated system to be connected with anyone. Doesn't this violate some regulation?? 

After finally reaching a person, it appears that when I put a freeze on our credit reporting account some months ago after a widely reported data breach involving one of the credit reporting agencies, we started to be billed for a " Premium Membership '' for {$19.00} for myself and the same charge for my wife. The man I finally connected with on the phone read a long list of services that go along with the " premium membership. '' As I told him, there is no way I intentionally signed up for ANY membership that would carry a monthly fee of ANY amount. 

He agreed to take off the most recent charges but said I had to fax in a letter to dispute past charges. I have submitted that letter by fax fo XXXX.
Product: Mortgage

Wells Fargo reached a settlement regarding mortgages between XXXX and XXXX. I purchased my home in XXXX with Wells Fargo and struggled making payments. I asked for assistance with any program and asked to even reach a settlement in an effort to keep my home. Wells Fargo did not work with me at all and I lost my home in XXXX. Becoming homeless due to Wells Fargo pushing me out of my home.
Product: Credit reporting or other personal consumer reports

If the account has been charged off and written off as stated, the balance should no longer be reported as " past due. '' If the account remains collectible, it should not indicate that it has been written off.

1099c was never issued
Product: Credit reporting or other personal consumer reports

Dear Equifax I noticed that you verified the account below : XXXX XXXX XXXX Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

Because I dont know a lot about credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. 

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTCXXXX XXXX, CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

An account/tradeline exists as XXXX in my credit files that is wholly inaccurate and contains false/misleading information. The referenced account appears beginning XX/XX/XXXX at which point the first entry alleges a payment was late by one-hundred twenty ( 120 ) days. The account then begins reporting as one-hundred fifty ( 150 ) days past-due in XX/XX/XXXX. By XX/XX/XXXX the account begins 180 days past-due with at least one ( 1 ) of the three major CRAs. Yet, the furnisher of the information acknowledges that they did not begin contacting me until XX/XX/XXXX. The account is reporting as credit with a term of one ( 1 ) month. Yet, the account is not for a revolving loan or a loan product with terms of one ( 1 ) month. Moreover, the servicer for this alleged account has provided false/misleading information required to even check the balance of the alleged account -- the data furnisher is aware of this. I have been denied access to housing based upon this payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This attempt is my follow-up to ensure that the listed accounts are investigated
Product: Credit reporting or other personal consumer reports

I have already sent a request of dispute for these accounts and yet it is still showing on my credit file. I am not familiar with the accounts appearing on my credit report. I already notified the Federal Trade Commission about the theft of my Identity. I need items removed right now because they negatively impact my credit ratings.
Product: Credit card or prepaid card

I was in XXXX XXXX during the XXXX holidays in XX/XX/XXXX and stayed at the XXXX XXXX XXXX. I purchased a couple 's massage at the spa on XX/XX/XXXX and when asked how much I wanted to tip, I said {$60.00} USD. The hotel spa charged me XXXX pesos ( about {$120.00} ) on my Chase Sapphire card. I immediately said " No, this is wrong. I said {$60.00} USD TOTAL, not per person '' and the spa refunded me the payment for XXXX and then charged me XXXX pesos ( {$60.00} USD ), which was the correct amount I wanted to tip. 

When I got home, I realized I never received a refund for the {$120.00} transaction on my credit card statement, even weeks later. I disputed the transaction with my credit card company, Chase. I lost the dispute and have appealed it many times but Chase continues to say that the charges are valid. One of the reasons cited was that they reached out to me for more information but I failed to provide it within the required time frame. The request for more information came in the mail AFTER the deadline to submit it had already passed, which is incredibly disingenuous. 

I have also contacted XXXX XXXX XXXX about this issue and they have admitted the charge was incorrect and said they have contacted my bank to reverse the charge. Chase still denied my dispute, even after this. 

I have receipts showing all 3 transactions - the incorrect charge, the refund, and the correct charge. I also have correspondence from Chase with each dispute denial and an email thread with the customer service company XXXX which manages claims for XXXX XXXX XXXX. 

At this point I'm being charged {$180.00} for a tip on a massage that I wanted to tip {$60.00} for. This is unacceptable. I have incontrovertible evidence that the charge for {$120.00} was incorrect and XXXX XXXX XXXX  has admitted this, yet Chase refuses to give my money back. I have sent them all of the correspondence and the receipts. 

Thank you
Product: Checking or savings account

On XX/XX/XXXX I was going through my checking account and started to notice transactions that were made in XXXX XXXX and other foreign countries that were unfamiliar to me. After clicking on the transactions I noticed that I definitely had not made them. I disputed them immediately and cancelled my debit card and requested a new one to arrive. I disputed close to XXXX payments that added up to {$3500.00} that I never made. The next day, Chime closed my credit builder account without any warning or heads up. 4 days later they closed my checking account. They said they would look into it but they were not helpful on the phone at all. On XX/XX/XXXX ( 2 days after completely closing my account ) they said they concluded their investigation and that no funds would be added to my account from the dispute. I asked for documentation that helped them make this decision and they said they would send it within XXXX business days. It has been 13 days and I still received no further emails from Chime about the rest of the disputed transactions or why they made the decision that they did. They also never said why I wouldnt receive the money in the email they sent me. Lack of communication and no justification for denying my dispute has made me very upset.
Product: Checking or savings account

On XX/XX/XXXX I went to Chase bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX with my husband to open a checking account with a {$300.00} bonus incentive. We did this process with XXXX XXXX. She said the requirements for me would be to have my social security direct deposited within 90 days as stated on the uploaded document. When the process was complete she asked if we had any questions. My husband asked if he should transfer a small deposit from our current bank. XXXX said, That wont be necessary, just make sure you do the Direct deposit setup right away.. Which I did. 
On XX/XX/XXXX I was expecting my SS deposit but couldnt gain access to my new checking account. I was told they closed it on XX/XX/XXXX due to inactivity by, XXXX XXXX. She said bank policy, which we were not informed of, is no activity after 60 days gets account closed. I was never told this, as witnessed by my husband. incidentally, it was closed after 57 days. I am now trying to get my SS payment which is all the money I make! The bank refuses to take accountability even though I satisfied all the requirements for the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : 02/23/2021 This is not mine. 

2. Identity ThefXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

7. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXXN Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft T XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2021 ( # XXXX ) for transunion dealing with a bankruptcy that is on my credit report and they did an interim reply on XX/XX/2021. Nothing since. I gave all the paperwork to show where they keep saying they are getting it from is untrue. I have given every company that I know hey are going to try to lie and say they used. They told you all that I can contact them on XX/XX/2021 and they have ignored me. It has been over 2 months since I put this claim in and they still ignoring me. This is something that they are not investigating and still coming back as its mine. This needs to be taken off now.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check from the sale of my home that was written from the Title Company in the amount of XXXX. On my deposit receipt it stated funds would be available XX/XX/XXXX at XXXXXXXX XXXX Despite the lengthy hold, I have managed to pause my finicaical responsibilities until XX/XX/XXXX at XXXX XXXX 

However, today my funds are not available. I have called customer service and all I am told is the check has not been verified so the funds wont be available until next Tuesday. 

I am not asking for a hand out or a gift. I am asking Bank of America to do what they said they would do on XX/XX/XXXX, which was release my funds on XX/XX/XXXX at XXXXXXXX XXXX in the amount of XXXX. 

Additionally, I followed up with the title company, that followed up with their bank, and they verified that the check cleared with Bank of America XX/XX/XXXX. 

My and my sons livelihood is depending on these funds in real-time.
Product: Credit card or prepaid card

We resolved the issue, but I would like to share our story with the CFPB in case other consumers are affected. My wife just opened a new XXXX store card. The company, though, Comenity - XXXX has charged us late fees for 2 consecutive months on her card. This happens because the company tends to process our payments late. It feels as if they do this just so they can charge us fees. Since we use our bank 's billpay service, our bank confirms when the company receives the payments so we know that our payments arrived on time. Therefore, while we were willing to accept the first late fee as a possible error on our behalf ( we scheduled the payment for the due date ), we ensured that Comenity - XXXX received this " late charge '' payment a few days prior to the due date. The company STILL sat on our payment for a few days, processed the payment 1 day late, and charged us new late fees. We called Comenity - XXXX to resolve the issue, and they refused to reverse the charges. After a threat to report them to the CFPB, they decided that they could offer relief for our situation and dropped the fees. Still, we closed the card and are still lodging a complaint so others are not swindled by them.