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

My XXXX XXXX charge account became slightly overdue because the bill was lost in the mail. I have an excellent credit rating - it was up to XXXX recently. As soon as the error was discovered I called XXXX XXXX and paid the bill in full ( it was only less than {$100.00}. ) But, unlike other companies, they reported me as 30 days late anyway. I was told that they would reverse this reporting and restore my rating ( which dropped by XXXX points due to their report ) but they never did. When I asked for an investigation by XXXX  I was told that XXXX XXXX confirmed me being 30 days late. I called XXXX XXXX twice and was told twice that they were very sorry and they would fix it but they never did. My near perfect credit rating has suffered dramatically due to one minor payment being a couple of weeks late. No other credit card has such a policy - especially when they can easily review my credit and see that I am credit worthy. XXXX XXXX manages to send to me sale e-mails practically every day but they never sent me an e-mail warning me that my bill was past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft around XXXX of XXXX  I have been having issues with my credit for years. Moreover, most issues are resolved however some not. I have contacted the Credit Bureaus to ask them to investigate these collections/debts it is no knowledge, not mine. I dont hear anything from them but see its updated on file, I respond again because I not only see its from a residence Ive never resided, I see its an open account, which is impossible because I currently have same provider and have had same provider for at least a decade. I write the credit bureaus asking them to validate, again no validation or proof bearing legality. I have not been contacted by phone, by mail, by anything. My information has been the same for at least a decade. I even had a few credit cards, now paid off they have listed as charged off, which is inaccurate. I called these companies and they all say I should be contacting the credit bureaus. Its more confusing because all 3 major credit bureaus have conflicting information. I send them a photo copy of my valid current ID, a utility bill and my phone number asking them to PLEASE remove all the other listed wrong names and/or addresses on my profile, which were never mine, they never did that! I tried to contact the debt collector myself theyre so rude, they want all my personal information but if they rightfully have this or this was valid they would have that. Please help. I dont know what else to do! I dont know much about the FCRA laws, but since my identity was stolen and working to get it back on track, I know this is wrong. I know the way some of these collections agencies are wrong. Validate the debt. Credit bureaus do your due diligence if its not validated, remove it from profiles. Thank you.
Product: Credit reporting or other personal consumer reports

Please Delete All Inquiries From My Credit Report Immediately Please 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 XXXXXX/XX/XXXX
Product: Student loan

My personal and financial information was compromised without my authorization the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting or other personal consumer reports

M & T bank has been my mortgage lender for over a decade, in which time I have never been late with my mortgage. During the period of crisis, when my husband had been laid off ( from XX/XX/XXXX to XX/XX/XXXX ), I had requested multiple economic hardship forbearance and/or deferment options, making sure whichever option we chose would not negatively effect our credit. Once our forbearance was up, in XX/XX/XXXX, I began paying M & T Bank the amount for which they invoiced me, and in the meantime, we were converting our mortgage from a 30 year to a 40 year mortgage. We did not want to do this, but, we did not have the {$27000.00} " catch up '' amount they would have required for us to maintain our initial mortgage. 

When we began the process of conversion, I called an ensured we would not receiving any negative reporting by M & T Bank on any of the three major credit bureaus, and was told by an M & T customer service representative, at their customer service number, XXXX, as long as I continued to make payments in the amount I was being invoiced for, I would not have any negative credit reporting. While the mortgage conversion was in process from XX/XX/XXXX, to XX/XX/XXXX, I paid {$2200.00} each month, as I was invoiced and was not late with these payments. The payments were made on-time and cleared my checking account on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I later noticed that my credit score had dropped significantly and my on-time payments category was the major impact on this score negativity. I looked into this and noticed M & T Bank 's Mortgage Division had reported me " 180 Days or More, Past Due '' for for the four consecutive months, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I reached out to the bank, they advised me they had sent me a letter and on page 7 of the letter it listed " this conversion may negatively impact your credit ''. I did not receive that letter and I told them this much. I also made them aware of their customer service representative telling me this would not negatively effect my credit. I have opened a case with them, they had " resolved '' this case by telling me they were correct and I was at fault. I reported them to the three major bureaus ( XXXX, XXXX and XXXX XXXX ) and those disputes were resolved with nothing happening as the credit bureaus informed me the creditor confirmed the information was correct on my reports. 

XXXX XXXX XXXX XXXX  is doing nothing to help me despite their lack of communication with me, with regards to this matter. This is seriously impacting my credit in a negative way and despite multiple attempts to resolve this trough various channels at the bank, they are doing absolutely nothing to help me. I am very upset about receiving misinformation, no information, and having to have this negativity reported against me. Please help.
Product: Credit reporting

Experian a reporting bureau. I did not authorize XXXX-inquiries that are on my reportaccounts listed below are not mineXXXX XXXX XXXXXXXX-or XXXX collections
Product: Credit reporting or other personal consumer reports

My credit score has dropped in the last few months from mid XXXX 's to XXXX! We are in the process of moving our investment and cash accounts to XXXX from XXXX XXXX. We are completely debt free. We pay off all credit cards in XXXX days, or sooner. We have excellent cash and investment resources. All our payments are on time with no issues. Our payment score is excellent on all XXXX credit agencies : TransUnion, XXXX XXXX. I have worked hard my whole life to maintain a high credit rating. Please help me restore my good rating. I want them each to acknowledge my transition the very least, and restore my high rating. There should be no reason my moving banks/institutions should impact my good score.
Product: Payday loan, title loan, or personal loan

I never got a loan. There was no option for not receiving a loan. I tried to use an app called Albert to get a cash advance until my payday. Not only was I denied but the moment I was denied and seen the app was messing with my banking information and account I had asked to have my account deleted and I had tried to delete the account myself so Albert the app would not still have any access to my account since I was denied. XXXX weeks later my check was supposed to hit Friday XXXX XXXX and come to find out Albert not only denied me and stole my money but it took 100 % of my {$910.00} check I have yet to get my money and I am highly distraught. I have been scammed and this is disgusting that an business is even allowed this much access after having denied me any money but somehow the same business can take 100 % of my check in which they gave me {$0.00} no money at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several disputes notifying them that this debt is not mine and I have asked several times for the credit bureaus ( Experian ) to retrieve proof. All they come back to me with is a typed statement saying I owe the debt. They dont get proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i sent in a copy of my police report and signed and notarized affidavit to all 3 credit companies now over 30 days ago only to get no response they are claiming they have not received it yet i have conformation of receipt from all 3 of them my identity had been stolen and someone was assuming my identity for years and finally when i went to do something about it they told me to ge a police report i got a police report and sent it in and nothing the information is still reporting please help me the only thing they did do was place a fraud alert on my report.that 's how i know that they did receive it
Product: Mortgage

We are homeowner with a mortgage serviced by Ocwen. I am a Veteran and retired from XXXX with nearly 14 years in. My story is two-fold, 1.Making payments-Loan servicing, payments, escrow accounts 2.Problems when you are unable to pay-Loan modification, foreclosure Ocwen purchased our loan from another mortgagor. At that time they constantly said our full monthly payment was short bc of fees the previous company took and so Ocwen kept taking our monthly payment and applying it to fees instead of the principal payment and told us we only made a partial payment when we would MAKE NUMEROUS calls to someone in XXXX. This cycle continued on a monthly bases without any warning that we were being set up for a foreclosure scam with XXXX of other home owners. They also had a monthly fee for coming by the house and telling us we did not live there. The kicker here was that Ocwen would never give you their email address and then tell you that they never received the fax from you with the number Ocwen would provide. 
THE FOLLOWING PRACTICES WERE CONDUCTED BY OCWEN SERVICING OUR LOAN. 
1.Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; 2. Charging unauthorized fees for default-related services ; 3. Proving false or misleading information to borrowers regarding loans that had been transferred from other servicers. 
I also went on the Ocwen website and there was a contradiction that showed payments were made in full and not late, so I printed those out. But after I tried to get a credit check to refinance the house, Ocwen then removed the payment history and changed all the information to delinquent on the website and on the credit history. This so discouraged us that when we saw what they did to my credit score and the mortgage rate we were offered we quit and were XXXX. It effected my wife XXXX and I could n't do anything to fix it. 
Ocwen tried to push us into foreclosure by XXXX XXXX. 
Took advantage of us with servicing shortcuts and unauthorized fees. 
Deceived us about foreclosure alternatives and improperly denied loan modifications. 
Engaged in illegal foreclosure practices. 
This lead to foreclosure talks and us fighting to keep our house by get up to date on our payment.
Product: Mortgage

I was recently laid off of my full time employment on XX/XX/2023. I applied for mortgage assistance through my mortgage company Planet Home Lending. I applied to the mortgage assistance online and it took the company 2 months to tell me application was complete after many back and forth long delays in communications and my multiple attempts to get answers. After starting the application in first week of XXXX I was finally told that my application was complete in mid XXXX. I filled out the application to obtain a forbearance do to unemployment while I was looking for full time employment. I was told that I need to be unemployed and missed 6 months of payments in order to qualify for forbearance while unemployed. I was not provided a VA technician to give me options on my mortgage.
Product: Credit reporting or other personal consumer reports

The creditors do not have any written agreement with me. They do not have proof of obligations to pay alleged debt. From my understanding a contract is only binding if there is a contact with both parties wet ink signature mines and XXXX XXXX Delaware. Well where is the documentation to prove I agreed to pay alledged debt??? Creditor has 30 days to provide full disclosure of the contract, due consideration, lawful terms and conditions and the wet ink signature of both parties or this debt is considered discharged and it must be deleted from my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts and extended fraud alerts from my XXXX and Equifax XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting an unsubstantiated claim by XXXX XXXX XXXX XXXX Apartments a collection in the amount of {$3100.00} partial account number ****XXXX. ( Please see page attached from my credit report. ) I vacated the apartment complex within the terms of lease. I did not renew the lease. Prior to leaving, I spoke directly with the property manager and returned my keys. I asked specifically if there were any additional items that needed to be addressed and I was told there was nothing else ; I was told I would be getting my full security deposit back ; and I remember them wishing me good luck as I left the main office. It was only until I obtained a copy of my most recent credit report did I discover there was a collection. I was not aware of any collections or money owed to the apartment complex because I never received an itemization. In fact, I never had any communication from them. I do not now, nor did I in the past, have any outstanding debt with XXXX XXXX  XXXX XXXX Apartments. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Vehicle loan or lease

Bank Check to buyout lease with Volkswagen Credit was sent XXXX..called numerous times to check status of title being sent and no reasonable explanation is given other than it resides w their vendor. I requested the vendor name and contact information and they would not release this information to me.
Product: Credit reporting or other personal consumer reports

My account with 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 was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 - 90 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

My deceased father XXXX XXXX home may be going into foreclosure due to XXXX Loan fraud. On XXXX/XXXX/XXXX XXXX XXXX mortgage lender ( out of business as of XX/XX/XXXX ) had a phone interview with my father. There was no XXXX Counseling certificate and no loan application singed by the deceased homeowner. On XXXX/XXXX/XXXX an appraisal was done on the property. According to the Hud FHA guidelines nothing can be processed until the homeowner has counseling and the certificate is signed by the homeowner and counselor. FHA requires a case binder for XXXX loans during the lifetime of the loan. At this time, I am requesting any documents pertaining to XXXX XXXX. Please note, the loan was transferred to XXXX XXXX XXXX on XXXX/XXXX/XXXX, whom was found liable due to mortgage fraud. On XXXX/XXXX/XXXX the loan was transferred to Nationstar which is now being investigated by NEW YORK STATE Department of Financial Services due to improper fees, mortgage modification and lost paperwork. 

FHA # XXXX XXXX provided by XXXX XXXX , XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. on XX/XX/2021 XXXX section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/17 Called and spoke to rep to let them know I did not authorize them to run my credit and it was never removed. This is affecting my score.
Product: Debt collection

NTL Recovery Agency reported on my credit report On XX/XX/year> that I owe a debt of {$3700.00}. Upon contacting them to get information in regards to this collection since there was none listed on my report, just the collection company it was stated from the rep that it was transferred to them from XXXX as you can see in my previous report, which was another collection agency from XXXX XXXX. I have been dealing with XXXX XXXX since collections has been placed on my report and each time I have to dispute this and here I am again. This collection is almost eight years old from what I have been told and recently started appearing again on my credit report after each prior collection agency returned it back to XXXX XXXX as they constantly try to collect on a fraudulent account as well as list this in my report. I have reported not only to my credit bureau each time and they all get removed/ I have told XXXX each time this is not my account, nothing has been sent nor delivered to me for almost 8 years. Upon calling this new collection agency, they had explained that I need a police report. As you can see from my previous complaint, the other collection agency sent my account back to XXXX. Every year it seems as if a new collection agency is trying to collect on this loan of eight years per the new collection company. I am furious as I have done everything possible to get this removed from my report and to not appear on my report every single year. This is not nor has it ever been my account. The rep stated there are a lot of people with my name, etc yet the addresses does not match any address when I asked the address on file. I have never lived at the address they have on and all they do is update it when they ask for a new address.
Product: Checking or savings account

I made a {$3000.00} cash deposit at one of my local Wells Fargo branches and the deposit does not show in my account. I called Wells Fargo 's customer service number and was told " It is not showing a deposit on our end, we will look into this. '' I was not convinced that it is actually going to be looked into, especially given all the issues with Wells Fargo in the last few months.
Product: Mortgage

We requested a loan modification in XXXX. The documents sent were not adequately set up with my in-laws, who are the cosigners having their documents marked for a Florida Notary . We have called multiple times, and LOAN CARE has failed to make the proper adjustments. Due to all of the issues, we have also requested that the modification be amended to cover the additional months. We have done all that we can to be in touch with LOANCARE. When we refinanced the mortgage through LOANCARE, they sent a notary out to us and then overnighted the documents to a notary in Florida ; we have suggested this approach multiple times. 

We DO NOT WANT TO LOOSE OUR HOME. Because of the mistakes and lack of communication from LOANCARE my inlaws have had their credit impacted. We are also working with XXXX to get a grant.
Product: Checking or savings account

My account was closed in XXXX. When I called to get my funds back they required me to provide notarized receipts from my old bank, which is ridiculous because my account is already closed and my old bank is across the country.