23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan ( which has never had a single late payment ) was sold to Selene Finance earlier this year. In spring 2019 I made a {$5000.00} additional principal payment online in addition to paying a few days early for my next monthly payment. The auto payment feature ( counter to the next due date that posted online ) continued to take money from my account. This resulted in my mortgage paying a month early and occurred twice. The only help/advice I was given was to remove my auto pay and account information, wait for the two months to pass, then set autopay back up. I followed all of these steps and my XX/XX/XXXX payment posted but was immediately followed by a payment reversal. I received no phone call or email about this. I received a letter today, XX/XX/XXXX ( a Friday ), as my first and only notice the account is past due. No one is in the office and there is no ability to leave a message with either the main office or the customer service number. I logged on and paid the account in full, but have not paid the {$72.00} late fee that is also posted. I do not believe I should be held accountable for the late payment. This occurrence of events appears as though Selene Finance is setting me up to have a late payment post to my credit score.
Product: Money transfer, virtual currency, or money service

Tried link my debit card to XXXX  account to receive money back when making purchases ; pnc is preventing me from doing so during this pandemic. Only allowed to like account using routing number but unable to link debit card. Debit card is needed since I use my debit card for purchases and not account number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently identified incorrect information on my Equifax consumer credit report. There are several inquiries which I have indicated were not authorized by me and have been identified as fraudulent or the result of an attempt of identity theft. I have added initial fraud alerts to my consumer reports. I have notified Equifax of the fraudulent inquiries and every attempt to dispute them results in the same response that " Inquiries are a factual record of file access and will remain on the credit report for two years ''. However, the information being reported is inaccurate as it was possibly the result of identity theft or fraud. As indicated previously, I was a victim of the Equifax Data Breech and believe my information was compromised. As it stands, Equifax is refusing to properly investigate my claims and resolve my dispute. I recently filed a dispute through the CFPB website ( CFPB # XXXX ) indicating the inquiries and their response was that the verbiage, format and associated documents in my complaint are similar to other complaints received by credit repair agencies. Because the complaint did not appear to be a direct communication from a consumer, they were not going to give my complaint any further consideration. This is unacceptable as a response to a legitimate complaint. I am very capable of researching the Fair Credit Reporting Act and citing the applicable regulations when launching a complaint - and I do not work for nor have I retained a credit repair agency. If Equifax refuses to properly conduct an investigation into my concerns, I will have no other option than to pursue litigation. At this time, I am making a final request to Equifax to investigate and remove the incorrect/fraudulent inquiries from my credit report within 30 days or I will seek legal action. The inquiries which were made without a permissible purpose and the result of identity theft are as follows and should be removed. XXXXXXXX XXXX  XX/XX/XXXX After researching and confirming with the bank, the following inquiries are currently reflecting as hard inquiries and should be reflecting as soft inquiries. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I noticed that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me tremendously as I am in the process of buy a new car for my family. Please remove these fraudulent accounts on my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX...
Product: Debt collection

On XX/XX/XXXX, Resurgent Debt collection agency purchased my account from XXXX XXXX XXXX. The sent me email communication about the debt. I am writing this complaint because they are reporting false /misleading representation of this account on my credit report which cause my score to drop significantly. Attached you will all copies of my reports from all three credit bureaus with false and misleading information about the payments. The reports say that I am late 1 time on one report and 4 times on another report and not al all on the third report. I have not paid them late and I have proof of on time payments from the start. The company told me they would report on time payments not late payments. The have caused me a XXXX point drop in my score. Beginning XXXX on the XXXX and every month until XX/XX/2023 payments have been auto drafted from my account. I called them today about to ask about why they reported late payments and the lady was rude. I asked for a supervisor and she put me on hold. After sometime I hung up. I just discovered this and they refuse to remove the inaccurate information. I have tried communicating with them on several occasion to resolve this matter and they refused to work with me. There were times I called and was put on hold and then hung up on.
Product: Debt collection

PHOENIX FINANCIAL SERVICE IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE AN ACCOUNT ON MY XXXX, XXXX AND XXXX CREDIT REPORT THATS NOT MINE.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to rectify this matter with equifax. My next step is litigation if they do not comply and continue to break the law,
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX XXXX Account : XXXX Balance due : {$640.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context.

According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me.

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law.

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I visitied XXXX  and XXXX XXXX XXXX with insurance. Neither health centre filed invoices for my visits against insurance. They reported invoices as unpaid to Bull City Financial. 

Following months of trying to have the invoices correctly filed to insurance, I engaged the help of the Head of the Department of XXXX. His engagement resulted in the invoices filed correctly to insurance and a letter of apology. 

I have tried to have the erroneous credit entry removed with success, except for my engagement with XXXX. 

XXXX refuses to engage with Bull City Financial and present the physician 's letter of apology. Whereas the other two credit reporting agencies correctly engaged with Bull City Financial and removed the erroneous entries, XXXX takes no action, stating that the entry is correctly reported. The reference numbers for my effort to resolve the situation with XXXX are : XXXX, XXXX, XXXX, and XXXX. 

Before contacting the credit reporting agencies, I contacted Bull City directly. Bull City declined to remove the erroneous entries. Bull City may be contacted at : https : //www.bullcityfinancial.com/, ( XXXX ) XXXX. 

The erroneous hospital invoices are : XXXX XX/XX/2021 for {$160.00} XXXX XX/XX/2021 for {$1200.00}, and XXXX XX/XX/2021 for {$320.00}
Product: Mortgage

My mortgage was transferred from XXXX to Shellpoint Mortgage Servicing and it has been one issue after another. They called asking for a XX/XX/2023 payment when the RESPA letter indicates all payments beginning XX/XX/2023 are due to them. I had already paid my XX/XX/2023 payment early to XXXX on XX/XX/2023. I told them they needed to ensure the data transfer of the payment due date was corrected. It was out on me to prove I had made the payment. I then sent in proof of payment to their XXXX so they could research it. Naturally, I never heard back from anyone. Now I am going on 20 days since the serving transfer and still have no access to my online account with them for payment processing or account review. They have continued to tell me each time to call back if I still cant access in the next 2 to 3 days and now 20days later, nothing. Shellpoint Mortgage a division of Newrez should be contacted by the bureau immediately and resolution demanded on my behalf as it appears that since I have a XXXX hard Prepayment Penalty they will just treat me like XXXX as what choice to I have but to stay with them.
Product: Debt collection

The Creditor agreed to remove collection and identified inaccurate information.They removed from XXXX  but I need the collection to be removed from XXXX immediately as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Tran union credit reporting to dispute some information that is on my report inquiries that I did not give permission to be done they refused to remove them I put a freeze on my report information on there I didnt do I was able to talk to the fraud department they told me to send my license and a letter to them never heard anything back now I am not able to dispute online or by calling here or the dates on the inquiry
Product: Mortgage

Our process started on XX/XX/XXXX. We contacted rocket mortgage about a personal loan but the broker said that we would be better off by refinancing our current mortgage loan. 
We completed the process of sending all necessary documentation to get our loan refinanced. We did get a lower rate and a lower payment. In this process, we did get the refinance done. We were told that after the loan closed, we were to get a check for XXXX as a refund. Everything went well until the end of the process. The loan closed on XX/XX/XXXX. The final disbursement of funds were to take place on XX/XX/XXXX. The paperwork from the attorney to record the loan until XX/XX/XXXX and we did not find out about that until XX/XX/XXXX. So we received a call from XXXX XXXX with Rocket to tell us she would call with the tracking number. After this point is when everything went terribly wrong. She never called and we tried to call her. She never would answer out calls. Our banker was XXXX XXXX. Every single time we spoke he assured us we were getting this refund. I have numerous emails from him. We had 3 days after signing this paperwork to cancel and not proceed with the loan. We called every other day to speak with XXXX and he assured every single time, yes we were going to get this money. After XX/XX/XXXX that is when he said he didn't have control where this money was applied. We told him repeatedly if we were not getting this refund, we would NOT proceed. Since we found out way too late to stop there was nothing he could do. After numerous phone calls and he wouldn't answer we were directed supposedly to his superior XXXX XXXX. She said in the process that XXXX had clicked the wrong button to submit the closing paperwork. She said when Rocket/Quicken make a mistake they will admit it. In consolation she is suppose to send a XXXX gift card. I tried to explain to her again, we would not have proceeded with loan if we had known we would not get the refund. Our payment was XXXX it is not XXXX or so. We are saving money but we really needed that refund. She said we should be glad we didn't have to pay our XXXX payment but we had to pay XXXX in closing costs. We are in a financial crisis now because of them. They are not taking any responsibility for this and his story and her story does not add up. We feel like this loan was continued under false pretenses and no one will do anything about it. I truly believe XXXX knew all along we were not going to get this refund and he must have had a quota he needed to meet.
Product: Debt collection

On XX/XX/2023 I had responded to a notice of a debt via email, by Hunter Warfield, Inc that I was disputing the validity of the debt, and that I was demanding validation of the debt, yet that information was never provided to me upon request. 
In addition, even though I told them via email to stop calling and harassing me via phone calls, they still continue to do so.

I placed a dispute to XXXX and XXXX that the Collection agency were violating the laws, and I never was furnished information regarding the debt, but they have completely disregarded the laws as no additional information was provided to me.

I attempted to dispute the Collection charge on my credit reports a second time, but XXXX stated I could not submit a duplicate dispute regarding XXXX XXXX. They are/have ruined/are ruining my credit.
Product: Debt collection

My cell phone account ended after a 2 year contract however unauthorized use continued with billing phone calls to overseas merchants. The account was cancelled. XXXX customer service stated that account would be cancelled and I would not be charged XXXX dollar cancellation fee. Afterwards, XXXX forwarded a collection notice for XXXX dollars to a collection company and I immediately sent notice " do not contact '' & violates collection laws.
Product: Student loan

On XX/XX/2020, the cares act went into affect. All interest on student loans should then have been stopped. I made a payment on XX/XX/2020 and after that payment was applied my interest balance was XXXX. 
I checked my account on XXXX and the interest balance was still XXXX. 
I continued making payments to this account during the cares act and they went straight to principle. 
I checked my account on XXXX and the interest balance was still XXXX. 
On XXXX I checked my account and my interest balance went up to XXXX. 
When I called the company they said the reason for the increase was because I was applying payment to only 1 of 2 accounts. 
This completely doesn't make sense to me. If there is no interest accruing than it shouldn't matter to which loan I am making the principle payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020 I sent a letter addressing inaccurate things on my credit report and to this day over 60 days later I have not received a response from them. I believe that I am being taken advantage of by not having my dispute addressed. I did some research and understand that Section 611 ( a ) says that any failure to investigate items within 30 days gives a reason to immediately remove these items from my credit report, well it has been over 60 days so I believe they should be deleted promptly. 

As such, I am demanding that this account be deleted immediately or I will file for litigation because the stress this is causing me which is a culimnation of the Equifax Data Breach that I was already subject too having all my personal info and my family personal information in the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy back in XX/XX/2009 and in my XXXX  XXXX  it shows that the bankruptcy record has been removed but my score still stays the same. Also, XXXX  has updated and removed from my record and my score has increased! 

I paid for a credit score and a credit report on the TransUnion website but it still says that I have a bankruptcy record under public records. 

Pls. Help me get this straighten out as Ive tried so hard to build my credit back to buy my first home. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve the issue of the payment posting date with Bridgecrest. They were paid prior to the posting date and have documents to show. They reported my payment 30 days late to the credit bureaus. I called numerous times and all they send me is a letter to show the debt is paid in full. They are not helpful what so ever. I still receive call to get people to come purchase cars. I reached out to their social media no resolution. it made my score drop considerably. I wrote a letter to explain how I have made on time payments and to please reconsider and still nothing. I see numerous complaints from the company and this is the very reason why I saved to get a better vehicle and a company that actually will try to listen. I see this is a common practice with them. I tried disputing with the credit bureaus but all they did was update the paid in full date the same as the delinquent date which makes no sense. They just updated comments and didn't bother to further investigate.
Product: Credit reporting or other personal consumer reports

I was checking my score last year and know the error, reach out to transition, and express my concerns, only to be ignored. I have screenshot of the error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX Trans Union/ I made a complain through Consumer Financial Protection Bureau to dispute credit card accounts that were opened fraudulently under my name with XXXX  XXXX XXXX. I received XXXX letters from XXXX  XXXX XXXX in which they stated that they received disputes for a loan with XXXX  XXXX XXXX. However, I'm not disputing any loan, I did open a car loan with XXXX  XXXX XXXX in XXXX and the loan was paid off entirely in XXXX. 
I want to clarify that I'm only disputing the XXXX credit accounts with XXXX  XXXX XXXX, one account with XXXX XXXX and one account with XXXX XXXX. 
I also want to inform you that I received a statement from XXXX XXXX to my address for the first time even thought I never requested it. The fraudulent account was opened with a different address, and this is the first time I received a letter to my address. 
XXXX XXXX is trying to link the credit account to my actual address. The address link to the fraudulent account is XXXX XXXX XXXX XXXX, CA XXXX. I contacted XXXX XXXX in the past and they did not have any proof or document of a credit account opened with my real address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX. 
I also contacted with XXXX XXXX and they also do not have any document or proof that it was me who opened a line of credit. They only had the record that l opened a bank account with them. They could not provide any proof of my identity to confirm that it was me who opened a credit card. 
I'm requesting these fraudulent accounts to be removed from my credit report. I'm attaching my apartment contract with my address since XXXX and my utility bill with the same address.
Product: Debt collection

The collection has been pulled back from the original vendor but EOS as not removed their collection from my credit profile.
Product: Bank account or service

I am attempting to refinance my current mortgage that I have with XXXX XXXX Bank with XXXX Bank. XXXX pulled my credit history and in addition to my XXXX XXXX mortgage, another mortgage was listed with Bank of America ( BOA ). I have never had an account with BOA, and this is just an error on my credit report. 

I called BOA on XXXX/XXXX/16 to request that they remove this with the credit bureaus and send me documentation stating that this is NOT my account. I talked to a supervisor named XXXX who confirmed that it was indeed not my mortgage. He said he was unable to send me any documentation indicating that this mortgage was not mine because that would violate a " privacy issue. '' I am filing a complaint because Republic has advised that BOA should be able to send me some documentation - anything, stating that this mortgage # XXXX with BOA is not mine and it is an error that they are correcting with the Credit Bureau. I need this done promptly so that my refinance can be moved along with XXXX. 

I have sent a written dispute into BOA, but they have advised there is nothing they can provide me to prove that this is not my mortgage account. I think this is unacceptable and they should be able to provide something since this was an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : I disputed an amount of {$670.00}, this account was not accurate. I would like this removed from my report. I've been trying to removed this from my transunion report but no help whatsoever.
Product: Credit reporting or other personal consumer reports

Experian is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX account number XXXX was received from IRS. Experian is inaccurate reporting income a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. 
XXXX XXXX XXXX SSN # last four digits # XXXX XXXX XXXX XXXX XXXX KY XXXX