23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

PLEASE REMOVE ANY ACCOUNT THAT IS LINKED TO MY PERSONAL INFORMATION SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO MAKE ACCOUNTS WITHOUT MY AUTHORIZATION THANK YOU PLEASE NOTIFY XXXX ABOUT THIS PROBLEM TO UPDATE THIS INFORMATION WHY YOU ARE HARMFUL AND DO NOT LET ME TAKE ACCOUNT WITH OTHER BANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four XXXX XXXX XXXX accounts that are reporting incorrectly.
Product: Student loan

My original student loan with Navient was {$7700.00}. It is now {$12000.00} down from {$14000.00} at it's height due to diligent payments. I feel like I'll never get it paid off. While in school ( XXXX to XXXX ) and during a phase of unemployment during ( XX/XX/XXXX to XX/XX/XXXX ) they offered forbearance as my only option. I took it. Then they capitalized my interest in the amount of {$5500.00} and charged a repayment fee of {$390.00}. My interest rate is now 11 %. My payments go to pay the interest on the interest, barely touching my principle. I've called them to ask for a lower interest rate. They have refused multiple times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Their record keeping is less than professional and their staff is untrained in providing options for borrowers.
Product: Debt collection

am not liable for this debt with Jefferson Capital Systems LLC. I do not have a contract with Jefferson Capital Systems LLC. 

Under 15 usc 1692cXXXX XXXX XXXX XXXX XXXX as the consumer can refuse to pay a debt collection. 

15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it and yours thats on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit. 
Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within several reports over the last couple of years which have been detrimental to my XXXX XXXX causing XXXX  and XXXX due to no fault of my own other than suffering from metal conditions that make life difficult for me to understand.This complaint has one pdf. with the two largest problems combined together should make my entire complaint understandable.
Product: Mortgage

On XX/XX/XXXX of this year my mortgage loan was transferred from Bank of America to XXXX.I was not aware of this until I called to make my payment over the phone through there automated system ( which I have done for years ). There was a document dated XX/XX/XXXXXXXX  regarding the transfer, but I did not see that notice until after the XXXX of XXXX. I contacted XXXX to make my payment. I was told more about the transfer and that nothing would change with my monthly mortgage payment ( {$1100.00} ) and I could still pay over the phone. I made the payment for that month at that time ( XX/XX/XXXXXXXX  ). In XXXX I received a call from XXXX stating that I now owed XXXX. There was an additional {$4300.00} that was past due. I had never heard of this before. When my loan was transferred from Bank of America, there was no mention of any amount owed other than my monthly payment which was current. This was my second conversation with the XXXX, there had never been any mention of these past due charges. The person I spoke with said she could not see what the charges were for, I would have to contact Bank of America or send a letter to XXXX to dispute the amount. I again made my payment for that month ( XX/XX/XXXXXXXX  ) After the transfer of the loan I received another document dated XX/XX/XXXXXXXX   regarding recent activity with my escrow account. There seemed to be discrepancies in the amounts paid out for homeowner 's insurance. XX/XX/XXXXXXXX  I contacted XXXX XXXX on the payments made from the escrow account and received a print out. I contacted Bank of America also on XXXX. There was a payment of {$1600.00} that was paid according to this document near XX/XX/XXXX and on XX/XX/XXXX another XXXX. According to XXXX XXXX, the {$1600.00} was the payment for last year ( XXXX ) I felt XXXX XXXX XXXX was not giving direct answers to my questions and could not explain where the " past due '' amount had come from, there was no mention of any past due charges prior to to the loan transfer. I told them I would file a complaint with CFPB for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion removed unauthorized inquiries from my credit report only to turn around and put them back on when they had a glitch in the month of XX/XX/XXXX. I contacted them XX/XX/XXXX and explained that I was seeing these inquiries along with a collection and was told that it would be taken care of and removed. However, fast forward to today XX/XX/XXXX and only the collection has been removed and all the inquires dated from XX/XX/XXXX to XX/XX/XXXX ( XXXX ) total that were not authorized by me still remain. I called again and spoke with XXXX who stated that anyone can run my credit anytime they feel and the inquiries will stay for 2 yrs. He then transferred me to XXXX who is suppose to be a supervisor who stated the they never were removed and will remain regardless. Now I have been patient with them and tried to understand that all companies have computer issues at times but this is getting old. My inquiries were removed and they were suppose to stay removed. Not get put back just because your system had a glitch and then you never notified me that you were putting them back. It is my legal right to be notified before you just go and start putting things back on my credit file. I never received my 5 day notice to do such a thing so therefore TransUnion is in violation of my rights. These inquiries add a hardship to my life as I 'm trying to buy a house. I ask that you please make TransUnion be responsible and stop victimizing me along with others. As a resolution I request that TransUnion delete all of the said inquiries in question permanently from my credit report as a violation took place when they illegally added them back. Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over 19 credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.
Product: Credit reporting or other personal consumer reports

I've been meaning to have this inquiry removed from my credit report and asking for your help to get this removed. I have never got in contact with the company during the said inquiry date but sill have their inquiry on my credit report which is n
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX/XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiries XXXX  XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  XXXX A Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Dae of inquiry : XX/XX/2022 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all 3 agency in regards to this debt from security credit services, this was supposed to removed of my credit. i dd contact security credit services in which they investigated and sent me a letter they are removing the derogatory information off my report with the bureaus. as of XX/XX/20 Equifax score was XXXX, and it went down to XXXX due to this false info and im not sure what is going on but it seems that my equifax score just jumps all over the place and nothing has changed but i have been disputing all the false info on my account again, some of the items on my account are old and fraudulent, and are still reporting derogatory and there not even my accounts, i need help these have been causing issues since XXXX. i have sent information that has been requested as well as police report.
Product: Debt collection

I went to Collection Associates to get information on medical collections that keep showing up on my credit bureau that are keeping me from getting financing on a home. Collection Associates responded that they realized that the collections were not mine and told me that someone had to pay the collections. They would not issue a letter stating that they would remove the collections even after i provided proof that the social security number did not match.
Product: Payday loan, title loan, or personal loan

On monday XX/XX/XXXX at XXXX XXXX i received a txt message from this company saying that i had been approved for a personal loan with a certain amount of money to give them i call back to that number. 
I called back they had already my information and they said i will be getting the money they just had to increase my credit score. 
After that some hours passed and they said in order to help me out to increase my credit score they were going to deposit money in my bank account XXXX dollars and i had to pay them back that money right away in order for them to verify me. 
Some hours passed and they deposit XXXX dollars saying it was just to check my bank acount. Thay ask me to buy a XXXX prepaid card to pay back that money to them, i did that and after they ask me to deposit XXXX dollars into my own bank account in order for them to confirm all the transactions. 
XXXX XXXX that was his name called me back around XXXX XXXX that monday and said the money was going to be in my account the next day right in the morning. 
XX/XX/XXXX called me in the morning and said i needed to buy XXXX XXXX   cards. 
I check my bank account that morning and i had XXXX deposit in my acount i believe they were going to be for the loan. That called and they said my credit score needed to be higher and with those 8 XXXX cards they were going to help me, and that was the last thing i had to do. I bought the cards with that money and XXXX said to give them a couple of hours so the money could be in my bank account. 
XXXX called me back several times and ask for my bank account information saying that they were going to put they money but they couldnt because something was wrong with my account. At XXXX he called and said the money was going to be in my bank account fist thing in the morning that they had some problems with the manager. 
XX/XX/XXXX in the morning i check my bank account and i had XXXX dollars they called me and said they couldnt deposit the money because my account had minus if i had bought something or if i had bills to pay that i had to pay that off first in order for them to give me the money, i reply to them saying i didnt had any bills or anything it was just them and the XXXX cards they had made me bought. XXXX told me to give him 2 hours in order for him to check that, at XXXX XXXX   he called me back saying he couldnt fix it and i had to pay XXXX dollars in another XXXX card in order for them to fix it or to cancel all the loan, i tell him no and he said he couldnt do anything and that the minus moeny in my bank account had been me.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I first want to thank you for taking the time to read this complaint. Ive had a great experience with WFBNA CARD and my goal is to maintain the relationship weve built over the past year. I recently pulled my XXXX, XXXX, and XXXX credit report and discovered I have a late payment that was reported in XX/XX/2023 for my WFBNA CARD Credit Card. During that time period, I had a XXXX XXXXXXXX  due to XXXX. I mailed WFBNA CARD several letters informing them of my financial hardship at the start of the Coronavirus pandemic. Unfortunately, the Coronavirus pandemic has brought unforeseen circumstances into my life. As a direct consequence of the pandemic, I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my WFBNA CARD account. 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The Coronavirus pandemic has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the Coronavirus pandemic on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments. 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the Coronavirus pandemic and to provide relief to individuals affected by the Coronavirus pandemic. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The CARES Act requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a forbearance or modified payment arrangement, due to Coronavirus hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the Cares Act. 

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account Number : XXXX Late Payment Date : XX/XX/XXXX XXXX
Product: Mortgage

At the beginning of XXXX XXXX I attempted to pay my mortgage online with PennyMac ( PM ) Mortgage. I discovered PennyMac 's website did not recognize my username and password. I attempted to recover my username and learned the PennyMac system had 3 different usernames for me. 

I contacted PM customer service ( CS ), they explained I had several active mortgages in their system. Note : I only have one currently active loan with PM. I have had loans with PM is the past but had paid those loans off, sale of my home or refi that was paid off. 

CS had me attempt to use each of the 3 usernames, all 3 showed account inactive on PM website. CS escalated my issue to the next level of CS, the higher level CS agent attempted to solve my username issue but was unsuccessful. He stated he would contact me on Friday, XXXX XXXX, XXXX to assist me with a solution to recover my username. Unfortunately, I missed his call and he left a VM. 

On XXXX XXXX, XXXX, I called the CS # left by the higher level CS agent. I had to re-explain my situation all over again. The CS agent could not recover my username, state they would escalate and never transferred me to a higher level CS agent. I had to take their survey at the end of the call to escalate to the higher level CS agent, XXXX. 

XXXX had me create another username, so now I had 4 usernames. The new username did not work. XXXX claimed the PM website was defaulting to an old email address and work phone number even thought when I asked for a lost username recovery I received a PM recover process and code from current email which I've had for 15 years. 

XXXX told me she would have to file a ticket with PM 's Web Team to re-set or provide a new username for me. XXXX stated she would call me back in 48-72 hours. 

XXXX did not call me or follow up with an email. 

On XXXX XXXX, XXXX I contacted PM CS for a third time, XXXX CS agent, told me he could see the notes from XXXX reporting the issue to the PM Web Team but could not see any other activity related to solving my username recovery. 

I told XXXX I would be reporting PM 's failure to recover or provide me the opportunity to reset my username so I can pay my mortgage online and or retrieve my tax information for XXXX tax purposes. 

Thank you for reviewing my case,. 
XXXX XXXX XXXX
Product: Debt collection

I had my wallet stolen at XXXX with all my identification and information. I have reached out to this company several times trying to dispute this. This eviction has caused me not to be able to get a decent place to stay for my family. I have lived in shelters, low income housing that's rat infested, and jumped from family to family house.They sent me a letter stating that the debt will be XXXX to settle. When I checked my report it went up to XXXX. When I called about this debt the lady was very rude. She hung up in my face several times and told me that it will keep going up if it's not paid. I have contacted this company from XXXXpresent. I have every letter and signature from this company I sent.
Product: Credit reporting

Vehicle financed with XXXX # XXXX shows on Report as Voluntary Surrender. Loan was not Mine, but My husbands and is which was traded in and balance Paid in full to XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

There should only be 2 inquiries on my XXXX and Equifax reports. If you take a look at my XXXX report, you will see there are 2 inquiries which is accurate.
Product: Mortgage

Beginning in XX/XX/XXXX, I received our escrow analysis sent to me by our mortgage company TCF. Seeing two months with a reported {$0.00} paid into our escrow account, I called and explained that was an error and asked for a new report to be run. 

A few months later, I had not heard back and called in and chatted with XXXX. He sent me my payment history which shows I did in fact pay my escrow. He said he would look into it and get back to me. 

Two weeks later and no return call, I called again and talked to XXXX. She repeated what XXXX had said. I received a call back from her on XXXX but when I called back I was unable to be connected to her or XXXX. I talked to XXXX at XXXX XXXX who gave me a new number to call XXXX. I left a message at that number for a Mr XXXX. I have never heard back from him. 

I sent a certified letter as my Notice of Error ( attached below as TCF Bank ). It was delivered on XXXX at XXXX XXXX. I have not heard back from anyone in response to the letter. 

on XXXX I was fortunate to talk to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and they agreed there were zeros for those months on our escrow statement but there was a payment made. I was given an ID # of XXXX and was told this would be labeled a high priority. To date ( XX/XX/XXXX ) I have not heard back We have been making extra payments to our account in good faith but I do not want to continue to do so. We do not believe there is an escrow shortage. The months of XX/XX/XXXX and XX/XX/XXXX did in fact have payments sent by us for our escrow account. I can not explain why the escrow department did not credit us those amounts. As an added unexplained item, in XX/XX/XXXX there is an unapplied {$800.00} on our account that can not be explained. We did not send in any additional payments and according to many TCF employees, there is not a check or explanation as to where it came from. 

Until XX/XX/XXXX ; we were sending in paper checks for our mortgage.However, TCF does agree we sent them in. How those monies are not showing up in our escrow account I can not explain. I have no idea if this has any bearing on the the disputed escrow amounts. We are now paying electronically and hopefully this will not happen again.
Product: Debt collection

Hello The original debtor is XXXX XXXX. I voluntarily had my bad service disconnected at my new location because the service didnt work properly. I talked to them by phone and email trying to resolve the issues. We agreed I would disconnect WITH NO PENALTY since it wasnt my fault. I had several service technicians out and nothing worked. I am attaching several emails of my complaint. XXXX and this collection agency calls me every day from different phones. I feel harassed and I have to keep blocking these numbers from my cell and my business line. How dare they think I should pay early termination fees after agreeing that i didnt have to pay due to bad service. 
I will also attach collection agency letter as well. They are trying ti mess up my credit. Just like the insurance companies when you switch companies.
Product: Consumer Loan

I filed bankruptcy XX/XX/XXXX against central ohio credit union. It is showing 3 times on my credit report and I am being dinged several times on this matter. I have filed a dispute with XXXX. and XXXX. They still have n't done anything. I was understanding that it would wipe my credit clean. According to my credit report it showing on XX/XX/XXXX as opened, XX/XX/XXXX as opened And XX/XX/XXXX it says closed due to chapter XXXX bankruptcy. I feel as though I am getting marks against me XXXX times and I was at the understanding that it would be wiped off completely.