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

Experian is reporting Open status on a closed Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$5000.00} Closed This account was closed on XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX {$5000.00} Reported balance Credit limit {$5000.00}
Product: Checking or savings account

On XX/XX/24 Capital One deducted {$350.00} from my account for a bill payment. We noticed the transaction on XX/XX/24 and contacted the bank to file a dispute about the charge. While waiting to hear back on XX/XX/24 another transaction in the same amount occurred. At that time I contacted to bank to file a fraud complaint. On XX/XX/24, one of the {$350.00} charges was returned to my account, provisionally. On XX/XX/24, I was advised via email that the claim was denied because it was set up correctly through billpayer. They advised the plan to take the provisional {$350.00} out of my account on XX/XX/24. I contacted them to dispute the dispute and they said they would look at it again.. On XX/XX/24, I was advised that the decision would stand. I contacted them to request verification of what was used to make the decision. I also visited my local bank for assistance. The teller contacted XXXX  on my behalf. They agreed to look at it and would advise something by Monday, XX/XX/XXXX. On today I was advised that the decision would stand. 
Meanwhile, I have reached out to the XXXX XXXX XXXX, to whom the payment is going. Spoke with them on XX/XX/24 and XX/XX/24. They have confirmed that neither my husband or I have an XXXX XXXX XXXX  under out identifying information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries showing in my credit report. I have no idea where these came from or where I got them from. These inquiries were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed my Complaints # XXXX, XXXX, XXXX but when I checked it, I discovered that you have closed my complaints. Again, this is my 5th attempt that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. I sent letters to Bureaus on XX/XX/XXXX to remove these items but no response until this day. Please block the reporting of fraudulent items in my credit file that resulted from the alleged identity theft Per FCRA 605B ( 15 U.S.C. 1681c-2 ). 
XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX
Product: Credit card or prepaid card

My card was used for a {$480.00} XXXX flight. I did not make this transaction. Capital OneXXXX is not issuing me a refund because merchant says it was non refundable but I did not make that charge. It is a fraudulent charge and i want my credit of {$480.00} now.
Product: Mortgage

Our home was sold for {$250000.00} on XX/XX/XXXX. We purchased our home XX/XX/XXXX for XXXX. Loancare purchased our loan for {$250000.00} XXXX XXXX. My concern is that In XX/XX/XXXX our principal balance for our home was {$240000.00}. When we did our loan modification because we received a letter that we were behind on our escrow for almost {$10000.00} we were in shock. Our new payments went from {$1900.00} to {$3400.00} within a 2 weeks notice at the end of XX/XX/XXXX and they wanted the first payment of the new amount XX/XX/XXXX. We made one big payment of {$2800.00} XX/XX/XXXX and we came to an agreement to make payments of {$2000.00} for 5 months. This was a modification that they were able to help us with. In XX/XX/XXXX we were able to come to an agreement of monthly payment to {$1900.00} this is where we signed the loan modifications about our monthly payment. But we were not told about the {$72000.00} and how they came up with that number. Of course this being new to us we thought we were being helped to keep our dream home, that we worked hard for. 
In the end this was a downfall because in order to sell our home we needed to pay {$250000.00} almost {$8000.00} more than what we paid for our home initially. I want to know where did all our monthly payments from XXXX XXXX XXXX  go to. I feel like we were cheated and no one from the mortgage company could give me an answer of where all our payments went to and how they came up with {$72000.00} in the partial claim. 
You cant tell us that we made no payments towards are home for the last 4.5yrs.

Can someone please help us with getting answers and trying to figure out how we paid more for closing on our home then when we first purchased it 4yrs ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple addresses are inaccurate. Please have the credit bureaus remove expeditiously
Product: Mortgage

I fell behind in my mortgage due to some financial hardship. Nationstar Mortgage is my current lender and they raised my mortgage payment by {$300.00} dollars, without notifying me of the increase because of an escrow shortage. I called Nationstar to make arrangements or determine what my options were. They had began the foreclosure process. At that time, I began to go through the modification process with Nationstar. I submitted paperwork after paperwork, only to be told several times that they did not have the documents. I submitted the same document over 5 times, as they repeatedly told me they did not have it. At that point, I began to get nervous because I read that this is a standard practice of Nationstar to stall its consumers. I had been assigned to a loan specialist, XXXX XXXX, who I understand is the lead loan manager at Nationstar. I would call Nationstar to follow up with him, but it always went to his voicemail, and I would have speak with other agents, who appeared to be incompetent and unhelpful. After weeks of trying to get all the documents to underwriting, it finally made it with a daunting foreclosure sale date XX/XX/XXXX. Nationstar informed me that the modification would postpone the sale date. I was advised that it would take 20 to 30 days for the process. My documents were in to underwriting on XX/XX/XXXX. I called to inquire when I would receive disclosures forms, because I have no idea what type of modification I was applying for or the terms. The rep on the phone stated 3 to 5 days. I did not receive any disclosure forms but I received a copy of my credit report along with the coborrower. I called Nationstar, to request the status of the modification and when I should expect to receive my disclosure forms. The Nationstar rep informed me that I have been denied for all the modification available because I did not occupy the home. What??? I have lived in my home for over 8 years. Mind you, I have called Nationstar over a 100 times during this process and this is one of their verification questions. My answer has been the same each time. Yes, the home is owner occupied with me! The Nationstar rep informed me that I would have to wait to get my denial letter to appeal. I could not understand this and I refused to get off the phone until the matter was escalated. After an hour on the phone, my dedicated loan specialist, XXXX XXXX joined the call and apologized for the mix up and stated that he would work with underwriting to resubmit. He stated that he would walk it over personally. I am nervous because I feel like I am getting the run around and Nationstar is going to take my house from me by giving me the runaround. The horror stories and reviews are awful from consumers going through this process with Nationstar. As a consumer, this type of treatment and lack of competency on Nationstar staff is unacceptable. I am just trying to save my home and get back on track. I do not have faith in this process with Nationstar and I need help.
Product: Vehicle loan or lease

I'm writing this complain in hopes of a resolution. 

In late XXXX I was nearing the end of my lease on a XXXX XXXX XXXX vehicle. 

I went to the dealer ( for service ) and was asked to lease a new XXXX Mercedes XXXX. 

Since at the time my lease was not yet mature, I was concerned with the lease disposition fee ( {$590.00} ). The Mercedes Dealer ( Mercedes XXXX XXXX ) stated that it was acceptable to get into a new vehicle lease early and that the disposition fee would be waived. They gave me, as part of the contract, in writing, a statement that the XXXX GLE lease disposition fee would be waived. 

The {$590.00} disposition fee was NOT waived and was deducted out of my {$4800.00} security deposit for the XXXX vehicle. In fact it took nearly XXXX  months to return my security deposit - a process that took only days with XXXX or other OEMs. 

I have attempted to collect this fee for no less than XXXX hours on the phone speaking with more than XXXX different agents, all with promises of a " call back '' to no avail. 

As of today my XXXX time calling I was informed that a supervisor ( XXXX XXXX XXXX ) is " aware of the issue '' and will " call me back '' but no one has called me back or attempted to resolve this issue. 

At this point I am asking for the CFPB 's help in resolving this matter. It seems extremely dishonest that a financial services company, one that collects and keeps more than $ XXXX deposits from consumers simply has no desire or ability to service its customers and charges fees wantonly and contrary to the lease/purchase contract.
Product: Debt collection

Dear XXXX Action Revenue Recovery I called to inquire about the negative they placed on my account. According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting service could mail in fraudulent accounts. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) that Action Revenue Recovery have on file on the account listed below.

I have not been able to show any foundation or establish authenticity or accuracy of a piece of evidence that I owe Action Revenue Recovery or have any contractual obligation to pay them. 
I therefore demand an thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau.
Product: Mortgage

Since taking out this loan approximately 7 years ago, I have made all payments on time to my mortage company and have provided all insurance documents and anything/everything else that has been asked of me and yet, for the last year or so, I've been constantly harrassed with all sorts of notices about missing payments, questions about insurance, and a whole slew of other things -- none of which make any sense whatsoever. 

Everytime I call them, I have to start from scratch, eventually reaching the point where the person I'm speaking with appears to realize that indeed, these numnbers do no make sense. At that point, I am told that this will be passed on to a supervisor who will get back to me within a few days but that NEVER happens. Instead, I get all sorts of form letters in the mail saying that they " have been trying to reach '' me, blah blh blah ( which is not true -- they do NOT call me ). 

All my payments are automated -- I can document all payments AND my property has been insured since I bought it in 2010. 

Yesterday, I got a notice that they intend to forclose on my property if I don't pay {$2600.00} by XX/XX/XXXX (!!! ), this coming after I sent a detailed letter to them last month insisting that they get my account straighened out once and for all. Needless to say, there was no explanation at all ( btw -- the amount remaining on my loan is approxzimately XXXX and my property is worth about XXXX ). The FACT of the matter is that I owe them NOTHING. There should be NOTHING in escrow, no late payment charges. I am all paid up! 

The above is the gist of my frustrating situation. If necessary, I can provide more detail but I'm hoping that what I've provided is enough. I am paid up in full with them and THEY need to straighten out their records -- I can't do that for them ( Please note that 4 of my monthly payments were returned to my checking account recently because I was misinformed that I didn't need to change the mailing address when Shellpoint reaquired the administration of this loan several months ago -- - BUT that those payment have been subsequently re-paid ). This has been extremely frustrating and I am not getting any younger. Thank you for your help.
Product: Credit reporting

Equifax has ignored my request to provide me with documents that their company has on file that were used to verify accounts that I disputed. Being as though they have gone past the 30 days allowed and that they did not provide me with my contracts with my signature, they are required to promptly delete, under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The company National Credit Adjusters , L.L.C was in immediate violation of the FCRA [ 15 USC 1692g ]. For reporting on my consumer report without reaching out to me with any type of documentation to try and resolve this matter before reporting to my consumer report. I tried to reach out to the company with a notarized letter to validate the debt or delete it from my consumer report if they did not respond within 30 days of receipt of the letter. This was mailed through certified mail and it was delivered on XX/XX/2023 and I have the confirmation receipt of signature as proof that it was signed for on that date. As or XX/XX/2023 I have not heard from this company nor have they deleted this account from my consumer report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
Product: Debt collection

I have been trying to dispute the late payments and debts that are being reported by the collection company and original creditor multiple times for about 4 months. Procollect and XXXX are reporting the same debt and same late payments. Procollect is the collection agency that purchased the debt and reporting late payment every month. XXXX has the same accounts on my credit with same amount owed, same account number and reporting late payment every month instead of listing as sold and charge off updating the amount of the charge off and late payments affecting my credit every month. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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

I am writing to you to express my concern regarding the presence of certain hard inquiries on my credit report. Upon reviewing my credit history, I have identified several inquiries that I believe were not authorized or were conducted without my full understanding. These inquiries are negatively impacting my credit score, and I kindly request your assistance in having them removed from my report. 

Below, I have listed the inquiries in question along with their respective dates : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to clarify that I have not initiated any credit applications or authorized these inquiries during the mentioned timeframes. Therefore, I believe these inquiries are inaccurate and unjustly affecting my creditworthiness. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am formally disputing these inquiries and request that they be promptly investigated and removed from my credit report. I have enclosed copies of my credit report highlighting the disputed inquiries for your reference. 

I would appreciate your prompt attention to this matter and a thorough investigation into the validity of these inquiries. Please inform me of the steps being taken to address this issue and provide me with updates regarding the progress of my dispute.
Product: Credit card or prepaid card

During the month of XXXX, I made a promotional purchase ( no interest if paid in 12 months, requiring minimum monthly payments ) in the amount of {$1300.00} ( split into 4 parts, XXXX, XXXX, XXXX, XXXX ) and a non-promotional purchase of {$230.00}, totaling XXXX. On XX/XX/2018 the statement from XXXX Synchrony Credit account indicated I had a previous balance of XXXX, and that I made a payment of XXXX effectively bringing that balance to {$0.00}. The statement reflected the new balance of XXXX. On my due date of XX/XX/XXXX, I made a payment of XXXX. Per the payment allocation option that I opted in to, it should have been applied to my non-promotional balance first. On the XX/XX/XXXX statement, it reflected my payment of {$230.00} and an additional credit of {$11.00} that I applied from my rewards point bank. On that statement I was charged a {$1.00} minimum interest fee ( an agent mentioned it was {$0.00} in actuality ). Additionally, I made a purchase of {$53.00}. On my due date, I paid the difference between my non-promotional balance and my statement balance of {$43.00}, including the {$1.00} interest charge. On my XX/XX/XXXX statement, it reflected yet another interest payment in addition to my new charges. When I called to investigate why I was being charged interest, despite that I was in fact paying my entire non-promotional balance every statement and I had opted for it to be applied as such, I was informed that they don't actually allocate the entire payment, citing that federal regulation z makes very specific rules on how the payment must be applied. However, the account manager ( XXXX, I believe ) said that, " The only way that I have ever seen it successfully done, is if you call us on the same day and ask for a 'same day allocation. ' '' It sounds extremely strange to me that they can't honor their automatic payment allocation options because the federal prohibits them from doing so, unless you ask, then they are happy to break the law for you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the XXXX and my local police department. I send all documents to the C.R.A and Department of Education/XXXX, XXXX XXXX/XXXX, and Capital One Bank USA. The Account Opened is Department of Education/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. The Account Opened is XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card or prepaid card

This bank is terrible evil they closed my account and refuse to send hilling statement for the amount owed their ruining my life credit history by not sending me statements to my home
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a data breach at Equifax and my personal financial data was accessed. Please investigate this egregious act of ommission on the part of Equifax. I understand I wasn't the only one impacted Thank you..