23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccurate information that should be removed. The bureau refused to complete a thorough investigation into the matters instead. These inaccuracies are causing great stress and negatively affecting my financial standing. 

I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help in this matter. 
XXXX XXXX XXXX XXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
US DEPT OF EDXXXX - XXXX - I believe this is reporting inaccurately - verify that this belongs to me. - This account is reporting incorrectly. 
XXXX XXXX  XXXX XXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX, XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX - XXXX - Verify this belongs to me. - This is paid as agreed and should not be reporting negatively on my report. 
XXXX XXXX XXXX XXXX  XXXX - 15 U.S CODE 1692 ( e ) 10 - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
XXXX XXXX XXXX XXXX XXXX - 15 U.S CODE 1681 ( o ) - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate.
Product: Credit card

I was on the phone with my mortgage company to apply for a repayment plan and they had information on a Capital One Credit Card account in my name for XXXX dollars. I do not do business with Capital One, I do not have a Capital One credit card. I have n't had a Capital One Credit Card for probably over XXXX years. I believe someone has opened an account in my name, but am not sure what to do about it. Please can you help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to appeal a recent credit score deduction. On XXXX-XXXX-2018, I learned that my credit score decreased significantly by about 80 points. So I checked my credit report and discovered that I was overdue on a payment to 'Capitol One/credit card '' for {$100.00}, which I paid immediately on same day. I had not received any statements by mail as I usually do since XX/XX/2018 when I changed my account to a paperless and had not received any email notices either. For your reference, I have not moved nor experienced any issues with our mail delivery. 
I have been a loyal cardholder with Capitol One for many years and have never missed a payment. I hold nine other credit lines as well and all of the payments have been on time. At that time, I had a enough bank account balance to pay the payment. So I didn't have any reason not to pay the payment. In addition, I was paying the other card payments on time. I think you can make sure that the fact is correct from my credit report. 

So I sent a letter to Capital One asking that the mistake should be corrected, but they responded that they did the right action, and they sent a bill. Of course they did not mention about the e-mail notice or bill was not sent to me. 

I strongly appeal to correct this unreasonable treatment against the faithful customer. Please investigate this matter and correct this mistake as soon as possible. In addition, Kindly let me know how I can recover my prior credit score and if there is any other information I can provide to facilitate this process. 

Thank you for your assistance in advance.
Product: Credit reporting or other personal consumer reports

Im in the military service, I went to XXXX since XX/XX/year> and came back to XXXX XXXX XX/XX/year> ; before depart to XXXX I set up auto payment in all of my credit cards to avoid any issue, but for any reason by XXXX dollars I was owing in the Discover credit card I was reported and my credit score was down for more than XXXX points, I noticed this when I was getting my loan for buying a house, it was the lender who let me know I had low credit score and so was affecting the rate they could give me. I paid the debt and I called them from XXXX of the ports we were during the XXXX and they said they couldnt do anything.
Product: Money transfer, virtual currency, or money service

I sent money {$1000.00} from my citizens bank XXXX on XX/XX/XXXX to XXXX XXXX  and it was taken out of citizens bank with this info Trace number XXXX Confirmation number : XXXX - then XXXX XXXX closed my account and said never received money but citizens said it left my account and said to contact XXXX about where the money is so this complaint is directed to XXXX to find where my money is I need it to pay bills
Product: Money transfer, virtual currency, or money service

I have tryed to contact this company ( Coinbase ) over 65 times, you can not contact them by phone only email, they will not let me access my account, and they will not send me security codes to my phone .WE have gone back and forth with this company for 5 months, they are such a scam artist company,,, what kind of company has no live customer phone service?, that should have been my 1 st clue that they were fraudulent, i have contact New york State banking commission , and other agencys, i will serve them with acompliant if you cant help me. I transfered {$1000.00} back in XX/XX/2021 to them, and its been a nightmare ever since. I will contact my bank to see if there any recourse., but im sure they wont be able to, ,please forward this case to any other agencies thyat you think might be able to help me
Product: Debt collection

Robocall Claiming I owe a debt I do not owe any debts
Product: Mortgage

Good afternoon the dispute I have about my mortgage company Mr. Cooper is I have deposited hundreds of dollars into my escrow account and every deposit with the exception of {$64.00} in XX/XX/XXXX has been applied to the principle of the loan. When calling the company 's employees keep going on about the company does not determine the escrow amount it is set by county taxes and insurance rates. I am well aware of the purpose of escrow. I just want the money I earmark for escrow to be applied to escrow not loan principal. Unfortunately I can not present any written communication with Mr. Cooper but the company does not provide customer service option of email. Every correspondence via phone.
Product: Credit card or prepaid card

An account was opened fraudulently in my name, using my personal information. I was traveling when the account was opened and used the same day, despite receiving another letter in the mail stating that due to my credit, they could not offer me the card. It appears as though the person was somehow able to nearly max out the card the same day that they applied for it. The amount is comprised of two purchases made online for {$2100.00} and {$900.00}. Neither of these purchases were made by me. 

I was made aware of this new card from my XXXX XXXX alerts I have set up. As soon as I was made aware of this fraudulent activity, I placed a fraud alert on my credit report for all agencies and froze my credit for all agencies. I also reached out to the credit card company that issued the card to make them aware that this card was opened fraudulently and have submitted a fraud report in writing to them.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven under the XXXX plans on XX/XX/XXXX. The balance was reduced to XXXX and status was paid in full. This showed on their website and on a Mortgage Verification letter. I waited the normal cadence for XXXX, which according to the historical reporting was the final day of the month. No updates were made. I disputed with all XXXX major bureaus and even after an investigation by NelNet, they still claim my balance is over $ XXXX and not closed as paid in full, in spite of I formation o t heir website and on the mortgage verification letter for potential lenders.
Product: Student loan

Navient has ignored my best interests and created obstacles to repayment by providing bad information. Came to an agreement on the interest rate, and then was called back a week later, and told that the manager backtracked on the rate, and said they could only offer a higher rate which I could not afford. Neither payment was reasonable, and Navient did not take my expenses for me or my child into consideration. They have failed to act when I have complained. I was told that I could no longer use forbearance, and they refuse to help me. It was not communicated to me until now that I only could use 12 total forbearance 's over the life of the loan. I was steered towards taking multiple forbearance 's instead of Income Driven Repayment Plans. When I was offered IDR plans they were not in line with my earnings. I feel cheated out of my right to lower payments, and feel that they are making me overpay for my loans knowing that I am struggling financially to make their high payments. They have harmed my credit in the past, and I feel as though my loans have accumulated an unreasonable amount of interest. This company has deceived me, and led me to believe that they would work with me when they don't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help with XXXX, XXXX, Transunion that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. 
1. Bankruptcy : Discharged CH-XXXX  XXXX  : XXXX-DSP-XX/XX/XXXX XXXX  : XXXX   Transunion : XXXX.

2.XXXX XXXX XXXX : XXXX XXXX : XXXX   Transunion : XXXX.

3.XXXX XXXX XXXX  : XXXX Transunion : XXXX.

4.XXXX XXXX XXXX XXXX : XXXX 5.Bankruptcy : Discharged CH-XXXX   XXXX : XXXX-DSP-XX/XX/XXXX XXXX  : XXXX Transunion : XXXX.
Product: Mortgage

My home mortgage service was transferred to SunTrust Mortgage , Inc. from XXXX XXXX XXXX. The automatic payments were canceled as a result. The same day I received the notice of transfer, I signed up with SunTrust Morgage , Inc. for automatic payments. SunTrust Mortgage , Inc. will not process the automatic payment request, which is making the payment late.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY XXXX  ; SHOWS MY ACCOUNT 90 DAYS LATE THERE IS NO 30 DAYS OR 60 DAYS LATE ON MY CREDIT REPORT ON XX/XX/22 MY CREDIT REPORT SHOWS CURRENT BUT ON XX/XX/22 MY CREDIT REPORT SHOWS 90 DAYS LATE ON XX/XX/22 SHOWS NO DATA FOR THIS PERIOD NOTE THIS HAS RUINED MY CREDIT SCORE IT WAS XXXX KNOW IT IS XXXX MY DREAMS OF HOME OWNERSHIP FOR MY FAMILY IS GONE UNTIL THIS ISSUE CAN BE RESOLVED I PRAY SOMEONE WITH A HEART READS THIS AND HELPS ME WITH THIS ISSUE MAY GOD BLESS YOU
Product: Credit card or prepaid card

( Related to FTC XXXX on XXXX for which Target Card suddenly stopped working at store and transactions were not visible on the website. On XXXX, XXXX XXXX was filed as Target Card refused to reach out to XXXX despite having started the claim. XXXX on XXXX for Target/TD-Bank preventing automated activation ). 
On XXXX, XXXX at XXXX XXXX was used to try and activate the additional cards on the accounts. These activations failed on both website and via phone call. COMPLAINTANT prefers to get these activated without contacting customer service as COMPLAINTANT entered the numbers exactly the way they were printed on the card. COMPLAINTANT wonders if Target/TD-bank has call/email/case records of other users having the same problem. 
On XXXX, COMPLAINTANT called XXXX at XXXX XXXX to activate the card. Automated means through website and automated call have failed during the call, however, the representative was able to activate the card. At XXXX XXXX, COMPLAINTANT called again to retrieve the PIN as previous representative omitted the PIN setup procedure. Had COMPLAINTANT been able to activate the card all on his own through automated means, he would not have had to call again nor attempt to reset via the Target website. COMPLAINTANT is perplexed as to why both representatives who ( 1 ) activated the card and ( 2 ) denied having access to PIN, refused/forgot to mention any PIN reset functionality of the website during the call. COMPLAINTANT wonders why Target employees/system have to create these situation artificially in such a way, so that they can deny ( a ) having access to COMPLAINTANT 's PIN nor ( b ) trying to harass him in anyway.
Product: Mortgage

Nationstar Mortgage has been consistently careless, unprofessional, and lazy about correcting errors that they made. It took 10 days of constant follow-up on my part to ensure that my account was accurately updated. I can not fit my complaint in the XXXX allowed characters, so my full complaint is added as the first attachment.
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to an ongoing issue regarding my credit report. In XXXX XXXX XXXX XXXX XXXX I noticed that my credit report showed a late payment, which I was certain was incorrect. I promptly contacted the corporate office, and after review, it was confirmed that no payment was due at the time, and that the late payment was the result of a system glitch. I have consistently made all payments on time or before they was 30 days late, and corporate acknowledged that this was a system error.I was assured that the issue had been resolved, so I did not investigate further until recently. Upon reviewing my credit report again, I noticed that the same late payment is still reported and not fixed. Despite multiple attempts to resolve this issue, corporate has confirmed that there is no record of any late payment on my account for XXXX XXXX XXXX. However, my credit report continues to reflect a late payment on XXXX for that period, which is a violation of the Fair Credit Reporting Act ( FCRA ) .I request immediate action to correct this inaccuracy on my credit report and ensure that it no longer reflects a late payment. I trust you will address this matter promptly to prevent further harm to my credit standing. 

Thank you for your attention to this issue.
Product: Debt collection

XXXX XXXX is charging me for a credit card that I had identity theft on ... I lost my pocketbook and however the person that stole my credit card ... put some purchases on my credit account with XXXX credit card..I have file a police report to have this item removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/Airlines XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX  XXXX, XXXXXXXX XXXX   Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX/XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I have no agreement nor account with One main. I've previously requested validation of the debt they claim i owe, to which they have failed to perform. They continue to communicate with non-affiliated third parties that I owe a debt to them. I've never given them written or verbal permission to report and or communicate any information to anyone. I've previously sent a Cease & Desist communication on all mediums including to non-affiliated third parties that they continue to communicate with. They are adversely affecting my ability to care for my family due to these violations of my consumer rights.
Product: Student loan

My new servicer ( MOHELA ) sent me what my payment will be and the amount is inaccurate as it did not take into account my wifes student loan payments. Since my wife and I file married jointly, they are supposed to take a weighted average between our payments and the combined should be what they are saying we owe individually. Our loans used to be with XXXX XXXX as I am working towards XXXX. When I called my servicer, I was on hold for more than XXXX minutes and the representative could only say they are using my AGI from 2020 tax year to calculate my payments. I used to be on the REPAYE plan and now I was moved to the SAVE plan. The representative said they will submit a request for it to be recalculated but no promises. She also told me to reapply for the SAVE program and recertify my income in order to fix the problem. And although this may fix the problem, I am not required to do income recertification until next spring. Its in my favor financially to not do recertification until Im required to do so. In addition, the representative said they do not have any files or documentation in my account. Im assuming XXXX may have failed to share my last income verification and IDR application, however this isnt, or at least shouldnt be my fault or my issue to manage. Its incumbent upon MOHELA to get what they need to do their scope of work from XXXX correctly. I have opened a case with the Department of Education. So far, ( after more than a week ) I havent heard anything from either organization. Keep in mind that MOHELA said 2 days I will get a response and the department of education said two weeks. The other issue is I have sent numerous electronic messages to MOHELA asking for information and in the rare instance I get a reply, it doesnt answer my questions. I usually just dont get a response.
Product: Debt collection

I had credit accounts with Accima previously all paid in full. I notice that they keep collecting payments from my checking account so I called to ask why? I was told that it was for anew credit line opened XX/XX/2019. I immediately informed that I did not open a new account with them and that I wanted them to investigate account. I placed a police report and identify theft report, affidavit and submitted everything to Accima and the credit agencies. I have called Accima several times requesting to provide me information and contracts and assistance with investing this account and they have fail to resolve this problem. Not only did they collected payment from my bank account and did not investigate the account when Informed that this account fraudulent they have also fail to remove it from my credit report. I have rights as a consumer and they are violating all the FCRA codes. Please assist me with resolving this problem.
Product: Credit reporting or other personal consumer reports

I contacted Transunion regarding a car loan that was paid in full last XXXX. I included the attached lein release stating the account was closed and paid in full. Transunion stated that the informiation listed was accurate and my second dispute was also denied. I also contacted XXXX XXXX XXXX XXXX where the loan was through last year to which they stated all credit bureus had been contacted.
Product: Debt collection

I was a qualifying participant enrolled in a rental relief program during the XXXX pandemic. Due to the quarantine restrictions that were put In place at the time XXXX me from work or travel. The rental relief program of XXXX  took over my rental payments as part of the alleged signed agreement. They were supposed to take care of ALL rental payments moving forward until the end of the lease. Approximately about XXXX weeks later I abruptly had the sheriff 's department at my door notifying me that I had XXXX hours to promptly remove all of my belongings and flee the premises. This caused a huge insignificance in my life ( mentally and financially ) as well as negatively impacting my credit report. I know several people who have taken legal action against this program and I will not go treated unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put security freezes on my accounts with Equifax and XXXX  in 2017. I received confirmation of the freezes and PIN numbers, from each service. I now want to lift the freeze so I can refinance a home mortgage. 
Both companies now say that I need a password, instead of a PIN. I have spent more than an hour trying to get information on how I can get a password, using the comanies ' online resources and " help '' or " service '' line. 
Equifax representatives have disconnected me twice, when I finally get in touch with a human who supposedly can help me. 
I can not get an option to speak to a human at XXXX, and their automated options don't include a solution to my problem. XXXX  's online resource, which is the only way that I can contact XXXX, reports that the companyt doesn't have an account with me, based on my DOB and SSN. This is notwithstanding the fact that I have a PIN from XXXX  from 2017, when the freeze was put in place.