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

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX partial account number XXXX. Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This account  reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

CAPITAL ONE ONCE AGAIN FAILED TO RE-INSERT BOTH ACCOUNTS ONTO XXXX. BECAUSE OF THIS WE HAVE TO CLOSE ALL ACCOUNT, AND FILE CHAPTER XXXX BANKRUPTCY NEXTWEEK.
Product: Debt collection

I disputed items that listed on my credit report that I did not have any agreement with. I requested the 3 major credit bureau to investigate and removal inaccurate reporting that is harming my credit per code 15 U.S.C 1692C -Jefferson Capital XXXX -XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX I received notification that it was indeed accurate reporting, but I never received an validation letter with my signature and agreement.
Product: Mortgage

I would like to understand how you can say one thing and XXXX XXXX  can say another the documents are attached to reflect I have attached XXXX XXXX  payoff and response as well as Rockets previous response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters and one regular postal letter indicating that there are errors in my credit report that have yet to be completed. It has been over 3 months with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to notify the credit bureaus AGAIN that I was a victim of identity theft and that I would like these bogus items removed from my credit file as a result of the claimed identity theft. CREDIT BUREAUS is obligated by FCRA 605B ( 15 U.S.C. XXXX  ) to REMOVE any items specified in Identity Theft. HERE IS THE LIST OF ITEMS THAT I WANTED TO REMOVE AGAIN! 


XXXX XXXX XXXX XXXX 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 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 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 card or prepaid card

I purchased an item from XXXX on XX/XX/21 using Discover card. When it arrived, it was found to be not as described, missing a key part. Contacted XXXX for refund or replacement on XX/XX/21. No response was received. Initiated dispute with Discover on XX/XX/21. Discover dismissed my dispute it for no reason even though the merchant ignored and did not remediate the problem.
Product: Mortgage

In XXXX applied for two refinance loans with Quicken loans. One on my primary residence and one on my investment property. I completed everything required of me by Quicken. I provided all my financials and documents requested. We had appraisals taken of both properties. Late in the process, in late XXXX, they tell me I must provide an " CPA audited profit loss statement ''. I am XXXX XXXX. I had already provided them my filed XXXX & XXXX federal tax returns. I provided my tax transcripts. I provided a XXXX profit loss statement and all my XXXX business checking statements showing all my income and expenses. Then they tell me they will not take anything but an audited profit loss statements. 

My CPA told me and audited P & L would take weeks and cost a significant amount of money and is like a forensic financial audit. Quicken would not give me any explanation about what was needed beyond saying 'an audited P & L '. They would not elaborate. They would not provide any alternative to these 'requirements '. 

I was railroaded out of my applications and they closed them out without asking me. I appears they did not want to make the loan to me and they would only tell me this was 'program guidelines '. When I asked for the guidelines, they would not provide them or elaborate. They knew I was XXXX XXXX at the start of the process. Quicken sells itself as highest in customer satisfaction in mortgage origination. No one would want to be treated as I have -- have a complicated requirement placed on them very late in the process with no  explanation ; then when I want more information, or alternatives, I am ignored or basically told to get lost with no explanation.
Product: Debt collection

I completely settled this debt with this company. 

I paid the agreed settlement amount due of {$1400.00} as of XX/XX/2023. I received a letter saying that this debt was satisfied. 

The company representatives that I talked to said that once I paid this debt off, then they would completely delete the collection off of my credit report. 

Hunter Warfield has not deleted this item off of my credit report, and they are still reporting a balance of {$1400.00} to the all three credit bureaus. They keep reporting a balance instead of deleting the item off my credit report.
Product: Credit reporting or other personal consumer reports

My mom opened and Credit card through XXXX  XXXX and used it and then didn't oayy the bill and now it's on my credit report. This is not my credit card and I have no knowledge of it being opened
Product: Mortgage

I began refinancing an existing loan with PennyMac in XX/XX/XXXX. We closed on the refinance on XX/XX/XXXX. As a part of the refinance agreement, I was not required to make a payment on my new loan until XX/XX/XXXX. However, shortly after closing, I received a notification from PennyMac that my XXXX payment was late. I contacted PennyMac to get clarification about the notice and was informed that the notification was sent before the closing and that I was not required to make any payment until XXXX, as previously stated. On XX/XX/XXXX, I received a notification from my credit monitoring service indicating that a late payment had been reported against my credit by PennyMac. I reached out to PennyMac to find out the cause of the " late payment ''. After multiple calls over several days and hours spent on the phone, a customer service representative finally discovered the issue. The customer service representative informed me that during the refinance process, someone at PennyMac made a mistake which resulted in the original loan remaining unpaid while a new loan was added to the property. The late payment that was reported against me was for the original loan which should have been paid off by PennyMac during the refinance. PennyMac 's  representative informed me that they would be paying off the original loan, eliminating any fees, mailing me a letter to explain their mistake, and contacting the credit bureaus to correct my credit report. 

I have reached out to PennyMac on an almost weekly basis since XX/XX/XXXX to follow up on their progress with these action items. Each time I have spent an exhausting amount of time explaining the situation to a new customer service representative only to find out that no actions have yet been taken to issue me a letter or correct my credit report. Although the original loan was finally paid off, I have not received a letter from PennyMac and my credit has been negatively impacted for almost 6 weeks now. I filed a formal complaint through PennyMac 's customer service regarding their general lack of urgency and the absence of communication throughout the process, but have still not received any response. 

I have given PennyMac every opportunity to rectify their mistake and I believe I have been relatively patient. But my family and I are in the process of moving to XXXX XXXX and I will not be able to receive a favorable loan for a new property until my credit is restored.
Product: Debt collection

XX/XX/XXXX I sent a dispute to the collection agency DataIQ. The dispute goes back a while before that with an apartment complex, XXXX XXXX XXXX The apartments attempted to include a number of charges that were not mentioned in the contract, one of which including a repainting charge. When asked for more info, I was told that there was {$67.00} charge for painting. The contract never mentioned this as being standard, and this was mentioned. While trying to resolve the issue with the apartment complex and asking multiple times for some kind of proof of damage and repair, nothing was given and they instead sent the charges to DataIQ. From the first call with them, they have been mean, pushy, disrespectful, and have tried to intimidate me on multiple occasions. I ask for more info on what they mean by something and they hang up, I ask for more clarification and they change the subject. I was eventually pressured into paying the now $ XXXX ( due to interest ) due to them intimidating me with no time to actually put together a response. I sent my dispute in XXXX stating the legal obligation the apartment has in providing proof, including several laws and court decisions from the past which show that the burden of proof is in the apartment, not the tenant. It was not acknowledged and nothing was communicated about it. I have sent two separate emails to ask about the dispute and no response was given. Today on the XXXX of XXXX, I tried to call to get more information about it. The agent on the phone was very rude, said I paid the debt so my account is closed and theres nothing she can do about it. I asked if there was someone else I could talk to and she said no. I asked what we can do about it because the charge was unlawfully made, and she said it doesnt matter what I think because they closed the case and there is nothing I can do. She offered a mailing address or a fax number and I asked what those were for and she said if I wanted them I can call back but she had work to do and hung up the phone. 
Not only have they been hostile toward me in attempt to get the money, but they are also hostile when I try to right a wrong done against me. They offer no means of correction. They have intimidated me into making a quick decision and they are intimidating me again now that I question the charges.
Product: Mortgage

We have issues paying our mortgage EVERY month with Ditech. They are not helpful in the least. We sent our mortgage payment online through our bank on XX/XX/2016. The only reason that we did n't send it by the XXXX is because we were out of town and did not have access to do so. The bank showed our payment as processed on XX/XX/2016. It is now XX/XX/2016 and Ditech still HAS NOT applied our payment to our account. It has been 10 days now since we sent it. Their customer service rep can not tell me why it has not been applied. In 2 more days we will be hit with a late fee from them. Do I have to pay my mortgage payment an entire month ahead of time for these people to process it on time? I feel like we are intentionally being set up to be hit with late fees. I was told that we could dispute the late fees by explaining our side of the matter via FAX. The issue is that we should not be hit with late fees in the first place. I think this company holds onto the payments they receive, but do not process them when they receive them. I believe they are intentionally doing this in order to hit people with late fees. If I send a FAX disputing the fees, I doubt it will do me any good, since they do n't seem to care what their customers have to say. We do not have this issue with any of our other online payments. ONLY DITECH. Someone needs to investigate this company and their manner of doing business. Personally, I am sick of this. When we have the opportunity, I am strongly urging my husband to refinance our house with a different company. I never want to have to deal with these people again. Something needs to be done to protect the consumer here.
Product: Debt collection

On XX/XX/2022 I received a wage garnishment letter from my employer. I was shocked because I never received neither a court order nor notification ( making me aware LVNV is seeking judgment for a debt owed ) about a lawsuit from LVNV. Therefore, LVNV has illegally filed a lawsuit against me in order to receive money for a debt. I don't know the original creditor nor can I produce an account number for this debt. This is unfair and illegal. LVNV should be embarrassed to take such drastic measured during a worldwide pandemic that caused me financial burden and COVID-19 causing many to quarantine meaning wage loss because COVID-19 Relief came to a haunt last year. So why illegally sue me. Many people are XXXX and some are XXXX ill.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX Balance Owed : {$150.00} ; XXXX XXXX  XXXX Balance Owed : {$470.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agencies did not remove item off my credit report that another agency removed. By law XXXX should have reported the deletion of items to other credit agencies. 
XXXX removed items but XXXX  and equifax kept items on my credit report.XXXX  and Equifax did not complete a timely or thorough investigation.
Product: Credit card or prepaid card

On XX/XX/2020, an atm withdrawal was made in XXXX, IL at XXXX XXXX, totaling {$140.00} from my Arkansas US Bank Reliacard that is used for my receipt of child support. I have tried to call US Bank reliacard at 3 different numbers, XXXX, XXXX, XXXX and spent a cumulative amount of over 5 hours on hold to get my card cancelled and speak to someone about the money that was stolen. I have not spoken with anyone, as no one has ever answered. On one call, after 2 hours and 35 minutes of holding, the system hung up on me. I need this card cancelled or future deposits will also be compromised and my losses need to be refunded. I have never even been to the city where the money was taken from an ATM.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and follow-up regarding American Express XXXX failure to comply with my opt-out request. Despite notifying American Express to opt out of their marketing and data-sharing practices, I continue to receive communications and see indications that my personal information is still being shared with third parties. This constitutes a violation of several federal and state laws. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to respect consumers ' privacy preferences, including the right to opt out of certain information-sharing practices. American Express has failed to comply with this obligation. As a resident of New Jersey, I am also protected under the state 's privacy laws, which require organizations to respect consumers ' privacy rights, further compounding this violation. Additionally, 15 USC 1681a ( q ) ( 3 ) outlines permissible purposes for sharing consumer report information. By continuing to share my information without my consent, American Express is violating this provision. Furthermore, they are showing non-compliance with the Truth in Lending Act ( TILA ) by failing to accurately disclose how my personal information is used and continuing to send me unsolicited communications that contradict TILA 's disclosure requirements. Given these violations, I request immediate action to ensure that American Express ceases all unsolicited communications, honors my opt-out request by stopping the sharing of my personal information, and complies fully with the relevant laws.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, requires us to eliminate any inaccurate accounts from my credit report. Can you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Debt collection

I originally had a dispute with XXXX XXXX XXXX whereby I developed an XXXX and has to see a Specialist to clean it up. I made numerous attempts to settle, and they ignored my emails and letters. As of XX/XX/year> my unpaid balance was {$1300.00} ( I have the document ). On XX/XX/year>, Bull City Financial Solutions, sent me a demand for payment in the amount of {$44000.00}. I called them and spoke with XXXX on XX/XX/year>. I told him that I have a very recent invoice for {$1300.00} and the amount was wrong. He told me that the amount is correct and that was the amount sent by XXXX. I asked for support such as dates of service and amounts. He said there was none, just an amount. He showed no interest that there is a gross mistake. I immediately called ECU and spoke with XXXX XXXX, she denied the {$44000.00} and told me that the outstanding balance to date is {$1300.00} on XX/XX/year>. I looked up reviews on XXXX  and XXXX. Bull City has scammed many people. I also noticed that my credit rating recently dropped from XXXX to XXXX. My credit rating has always been exceptional. In short, I realized that I am being defrauded and scammed by the Bull City Fianacial Solutions. My dispute of {$1300.00} is over fairly minor dental services by a student dentist not a heart transplant. They should be investigated and forced to produce evidence supporting their {$44000.00} demand for payment.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to Experian notifying them of the reinsertion of XXXX  XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXXXXXX XXXX  actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with experian, they have neglected to take appropriate action, demonstrating a lack of accountability compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keep reporting me late on Child Support. I disputed it because that is an error. I am not late it comes out of my check automatically. I had it set up that way so I won't be late, and I take care of my child. I send extra and have receipts. Yet I thought for sure with all of that XXXX  would remove the error. Instead they reported me late again and dropped my score. they never responded to my dispute on this. It's been 90 days since I disputed it
Product: Checking or savings account

I had opened the account just for my taxes. Once I received an early tax advance they closed the account. Without my knowledge so the funds still go deposited into the closed account! So they accepted the money and held it until they closed the account down! I called after the 60 days are up and they still can not provide me with a check number for the check that supposed to be sent to me upon closing the account! It was {$1000.00} check from refund advantage for my early tax advance and now I can not get the money or get the company to help me see where the money was sent or when it was sent!
Product: Payday loan, title loan, or personal loan

I had a loan with moneylion bank and there was an outstanding balance on the off {$130.00} I have communicated with moneylion through email and phone that if I pay off my outstanding loan in full that the loan account information will be deleted from all 3 credit bureaus and delete any information connected to that loan. I spoke to customer service and by email they assured me that they will do that by email and phone conversation. The person that I spoke to over the phone her name is XXXX and she assured me that she will put a note in the system for the account to be deleted when paid off. Ever since the loan have been paid off on XX/XX/2020. The account have not been deleted off my credit report and I tried numerous times by email complaining about the loan account never got deleted and its hurting my credit score. First they say it will take 30days to delete the information, then after 30days to 60 days and more, the account still report negatively. The status of the account change from paid/ok to charge off ( CO ). Then moneylion change their story and said they will not delete the account. I have dispute this account will all 3 credit bureaus and moneylion bank refused to hold up their agreement to delete the account off my credit report.