23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home loan with XXXX Mortgage was very good, then Fay Servicing took over the loan and the nightmare began. 1 ) I got a very delayed notice of the takeover. 2 ) They did not accept payments the way XXXX had accepted them - from my bank. 3 ) during the first two payment periods ( within the 60 days ) they charged me " fees '' of over {$200.00} with no explanation. 4 ) They will not answer a phone inquiry promptly and have only sent me one bill/statement even though they took over the loan XXXX 2021. 5 ) They are one month behind in calculating my mortgage- in other words they are trying to charge me for an additional month of payment 6 ) because of their purposeful strategy of no communication it makes it completely impossible to deal with them. 7 ) I know how good mortgage companies operate because XXXX and the prior one to that XXXX were always very helpful and responsive. There must be many complaints about this company as there is no way they could only be doing this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX inquiries that i did not authorized still is on my credit report. I did not do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX reported a {$3700.00} collection filed by Bay Area Credit Service from an uncollected account from XXXX, XXXX XXXX Works with no supporting data. 
I called and spoke with XXXX and XXXX XXXX on the phone the day I received and alert that the account had been posted to the credit companies asking for documentation of the account ; XXXX said the records were more than two years old and would require a subpoena. Bay Area Credit Service gave no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my consumer file from Early Warning Services on two occasions and have not received it. I provided the request along with a copy of my drivers license and a utility bill. XXXX is reporting inaccurate information from XXXX XXXX which I would like to dispute but need the Consumer file in order to correctly dispute the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted police reports to all three bureaus stating to them that someone stole my identity. I was waiting on directive from attorney before submitting police reports. I have disputed these items time and time again due to identity theft. I wish for these items to come off of my report immediately. I am seeking a resolve in this matter!
Product: Debt collection

Portfolio Recovery Associates, LLC has filed a court case, without any prior written or verbal notice for a charged off credit card debt with XXXX XXXX. Not only is the debt amount completely inaccurate, they spoke with third parties upon trying to serve papers to my residence, including my neighbor. 

I was not provided any documentation prior to court filing, and had a dispute with the credit card company prior to any action being taken. This was a disputed account with fraud on it that the credit card company refused to take in to account. 

They have filed a court case without any written notice that they were attempting to collect a debt, and have a debt that is already in dispute, and that ultimately the credit card company charged off because of the dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the credit reporting act this creditor has violated my rights under 15 us 1681 Section 602 which states I have the right to privacy 15 USC 1681 Section 604 section 2 also states a consumer Reporting agency can not furnish this account without my written instructions under 15 us 1666b accredited may not treat a payment on a credit card account under an open consumer Credit Plan as late
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have made repeated attemptsby phone, mail, and written responsesto resolve inaccurate information on my credit report with XXXX, TransUnion, and XXXX. Despite my efforts, they continue to report inaccurate details on several accounts. 

One account I have specifically disputed is with XXXX XXXX XXXX. XXXX, for instance, is not reporting any record of my last payment. For the information to be accurate, all aspects of the account must be fully and correctly reflected on my credit report. As of XXXX latest report on XX/XX/XXXX, there is still no update regarding my last payment. In this case, the account should either be updated with accurate information or removed entirely. 

XXXX is similarly reporting inaccuracies on this same account, listing the last payment date as XX/XX/XXXX, with a last report date of XX/XX/XXXX. This information is inconsistent with both XXXX and TransUnion. According to the Fair Credit Reporting Act ( FCRA ), credit reports must reflect 100 % accurate information. Incomplete or inconsistent reporting violates this standard. 

Additionally, there are other accounts on my credit reportsuch as those with XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat are also inaccurately reported across all three credit bureaus. I have contacted XXXX, TransUnion, and XXXX multiple times since XX/XX/XXXX to request thorough re-investigations into the accuracy of these accounts. Unfortunately, none of the bureaus have taken the appropriate steps to address these issues. 

These reporting inaccuracies are negatively impacting my financial well-being. The failure of all three credit bureaus to adequately investigate and correct these discrepancies is a direct violation of my legal rights under the FCRA. This negligence on their part not only undermines my financial standing but also demonstrates a broader pattern of disregard for consumers in similar situations. I demand immediate attention and correction of these inaccuracies.
Product: Debt collection

I ended my services with XXXX XXXX and returned all the equipment. I rec 'd a notice saying that one piece of equipment was missing and they sent a bill with that notice. When I showed them their receipt that shows all the equipment including the one in question was returned to their office, I was told that it would be corrected in their system. A few months later while purchasing a home I was told that there was a collection debt on my credit from XXXX in regards to the same bill/item. To purchase the home I had to settle with the collection agency and pay the bill for {$120.00}. I rec 'd documentation from the collection agency and from XXXX that the matter was settled in full satisfaction. Now 11 months later I rec 'd a notice from a different collection agency stating that I owe the full original amount again. I informed them of the settlement in satisfaction and sent copies of the settlement notices but to no avail. XXXX will not answer the phone or emails and my credit score is effected. Hold times to contact a XXXX customer service is always over two hours long. How do I hold XXXX accountable for their mistakes as they have held me accountable for mine?? How do you force a company to handle things properly besides boycotting them which I am doing. I will never use the services of XXXX again but need help correcting my credit score damage that they have done.
Product: Mortgage

My issue is with Carrington, they just started to service my mortgage from XXXX XXXX XXXX. 
They sent me a letter on XX/XX/XXXX stating : ... .. '' we are pleased to inform you that MIP on your loan has been cancelled. As a result, your monthly mortgage will be will adjusted accordingly. A revised billing statement will be sent separately. '' We made a mortgage insurance payment in XX/XX/XXXX that included the extra XXXX as the payments crossed in the mail. In XX/XX/XXXX and XX/XX/XXXX, we made our regular payment less the PMI of XXXX. 

The letter with the revised billing statement never came. I wrote 2 letters, and ask for help on their help line on their website. They stopped applying our payments to our loan. 

Yesterday, I received a letter dated XX/XX/XXXX. It stated that " removal of MIP does not immediately affect the scheduled payment, the payment will REMAIN THE SAME '' until we generate a new escrow analysis ONCE A YEAR. 

Can you please find out why they are demanding that we continue to pay for a service that has been cancelled? And why they aren't applying our payments to our loan? And why we can't receive a refund for the OVERPAYMENT of the PMI in XX/XX/XXXX after it was cancelled? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Credit reporting

I had a credit report pulled with my financial institution and there was a social security number on it that does not belong to me.I went down to the social security office and they told me they do have an official person with this number and they are receiving benefits and he said this person must have made a mistake with spouses number and put my number in his information instead of his spouse 's and now his number is on my credit report from Experian I tried to call Experian about this and only got a recording.I would like this person 's number of my credit report.I looked my credit report over and all the information is correct so this is just a mistake on the benefits part but I want it off my report. My number is the top XXXX the wrong number is underneath mine
Product: Credit card

On XX/XX/XXXX Citibank Charged For Deferred Interest Of {$490.00} For XXXX XXXX with XXXX interest Expiring In XXXX XXXX. 

Debtor paid this promotional balance in-full in lump sum payment On XXXX XXXX, XXXX ( {$1400.00} Electronic Applied To This Selected Full Balance, Which Was Checked Online For Payment Application On XX/XX/XXXX as an electronic payment option provided within the Citibank Best Buy account services/promotional balances payment portal ). 

This lump sum payment of {$1400.00} for expiring XXXX XXXX promotional purchase was made in addition to minimum monthly revolving balance payments applied to general balance according to XXXX XXXX XXXX in XXXX XXXX and XXXX XXXX. See attached documentation. 

Documentation of promotional balance amount and terms in question has been removed from website by lender. Information has been requested from XXXX XXXX to further substantiate this claim.
Product: Credit card

my id was stolen and a capital one account was opened and i didn't do it and my credit score is so low i cant get a care for my self as am XXXX and i really want XXXX i keep getting mail that a account was opened that i never did
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reported that my personal address is wrong to XXXX and they have failed to correct it. They have only responded that the addresses is correct and it is not correct. I have placed a fraud alert on my account because of the credit bureau leak. I have lived at my current addresss for 12 years. I need any other address removed. 

Please remove these address, they are not my personal address. 
XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX DE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX My current personal address for XXXX  years now is XXXX XXXX XXXX XXXX XXXX, NJ XXXX Thank you XXXX XXXX
Product: Debt collection

Diversified Consultants called my husband at work today in refrence to an account that has been placed with them for collections. the first gentleman that we spoke to stated that the account was from XXXX place but when I asked for a boss I was told another place. I have asked for them to cease and stop calling us until they could provide us with proof of the last payment and the amount and the true creditor. they have advised me that they do not have the ability to provide those docs. I would love to attach docs but they cant provide them
Product: Debt collection

Prince Parker and Associates is reporting that I still have a debt from XXXX XXXX in my name and I do not. That debt was transferred to XXXX XXXX XXXX XXXX in XXXX of XXXX. I paid the balance with them in XXXX of XXXX. I even attached a copy of receipt of payment made to them on XX/XX/XXXX and Paid in Full letter that was provided by XXXX. XXXX XXXX had been notified prior to me paying the bill that they did not own the debt as I made attempts to dispute the balance before I paid it. But refused to remove their reporting. As of Today XX/XX/XXXX, I am still getting emails stating that I owe them. As of today XX/XX/XXXX, XXXX XXXX is still reporting negatively on my credit report that they are the owners of said debt and that said debt is outstanding and this is an incorrect reporting. I demanded several times that they remove this incorrect reporting as they are not the correct owner of the prior debt and said debt obligation has been paid in full as of XX/XX/XXXX. Again, I provided the receipt as proof of payment as well as paid in full letter from XXXX XXXX XXXX. XXXX XXXX acknowledge that they received the information. They even acknowledged on the phone with me today that the account has been closed on their end since XXXX of XXXX, and " Withdrawn '' on their end since XX/XX/XXXX. They even provided me the contact information for 2 mangers who didn't answer their phones and neither had voicemails setup. The advised me that even though everything on their end shows that I do not have a balance with them, that they could not send me information about my account being closed with them. Also said that I had to send all of the receipts and paid in full letters AGAIN, requesting that they don't not contact me again. When asked how this could help me, the rep advised that was most of the service they could provide. Which does not really help because It's still on my credit and as of today, they are still sending me emails saying that I owe them a balance! I sent another email with all of the information, I even sent their email with the date and time stamp on it, with them requesting payment, asking them to remove the negative information from my credit, close the account, send me information showing that they have closed and corrected the information, and to stop contacting me. Customer service could not confirm that this would be enough to correct my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX shows hard inquiry from Citi Bank Na. Best buy on XX/XX/XXXX. XXXX has a range XX/XX/XXXX to XX/XX/XXXX. 
I did not approve this inquiry and I want it removed along with any accounts or affects from it canceled out. 
Twice, I called offending company on XX/XX/XXXX. They claim to have no record of such a pull from their end. The first call advised me to just let it go and that the credit points would come back up soon ... 

I've had no business or like applications with Best buy since this last spring. They might permanently lose my patronage. This is unacceptable.
Product: Debt collection

I XXXX XXXX looked a my credit report and notice Online Information Services reporting to my report. I then contacted Online Information Services and the company to validate the debt and to provide the original contract but, I never received it. Online Information Services replied with a letter that was in XXXX  of my consumer rights. Under the FDCPA XXXX XXXX XXXX. ( XXXX ) and XXXX XXXX XXXX. ( XXXX ). I XXXX have tried to contact Online Information Services to resolve this issue.
Product: Credit card or prepaid card

We ran up a large debt ( {$12000.00} ) on our Wells Fargo credit card. With an interest rate of 27.74 %, we are paying payments of {$500.00} with {$280.00} in interest alone. We called on XX/XX/2019, and talked to an employee and then supervisor in the department responsible for financial hardship. We are trying to reduce our interest payments on all credit card debts as we are expecting a second child in XXXX of this year, and need to plan for more expenses to raise a healthy child. All other credit card companies have granted meaningful financial hardship requests except Wells Fargo. 

They stated Wells Fargo does not offer APR reductions for financial hardship, at least not for us. They could not tell us why we didn't qualify for it, or if Wells Fargo even offers APR reductions. All they could offer was a 3 month reduction in minimum monthly payments. Any deficit below the minimum monthly would be added onto the next month 's payment. It would do nothing to address the interest that makes it so hard to pay back this credit card. The short period with no reduction of interest means we can not meaningfully pay back any amount that would reduce the lifetime payback amount on this card. 

We filed a complaint with Wells Fargo Executive Dept, complaint ID XXXX. They stated they would return our call and allow us to write a letter. They would not say where we could address a letter of complaint to. They indicated their policy would not change no matter what.
Product: Mortgage

In XX/XX/2020 we applied for the covid 19 relief plan ( mortgage foreberance ). We were told that it was 3 months, would not affect your credit and the the 3 months would be placed at the end of the loan at the end of the foreberance program. On XX/XX/2020 I completed the paperwork to terminate the foreberance program and selected that the overdue amount be placed at the end of the loan. On XX/XX/2020, I called wells fargo to ensure that my request had been process to resume payments. The customer rep. Told me that I had skipped one step, but that she would complete the process for me while we were on the phone. Everything was done and was told that it would take about two weeks and that i could resume giving my XX/XX/2020 payment. On XX/XX/2020, I contacted WF again and asked them why was my acct still showing that our loan was in foreberance two months after we had requested that it be updated. XXXX, the first rep told me that i had skipped a step and transferred me to XXXX from the mitigation dept. Who then confirmed that I had completed all of the paperwork and did not understand why my acct was still in foreberance. XXXX said that my XXXX and XX/XX/2020 payments had been applied to XXXX and XX/XX/2020 instead of XXXX and XX/XX/2020 payments. He also said there was nothing he could but assist me with filing a complaint with the proper Wells fargo complaint department. XXXX allegedly filed the complaint and said that I should hear from this department by Thursday, XX/XX/2020. I am filing this complaint now bcz I have been denied a loan bcz after two months my account continues to remain in XXXX.
Product: Credit card

On XXXX XXXX, 2016 Discover Credit Card received and acknowledged receipt of {$1100.00} total balance payment for my credit card account which card 's identification number I changed after I complained about XXXX fraudulent charge made to my account which have since been credited to my account. However, my account balance payment of {$1100.00} has not been credited to my current account and past due charges have been levied on my account # XXXX : {$27.00} and XXXX. Here is a copy of my current account status and balance : XXXX. Take notice that my current balance does not account for my payment of {$1100.00} received by Discover Credit on XXXX XXXX, 2016. I have called Discover customer service on XXXX XXXX and again on XXXX XXXX, 2016 and was told that they would investigate but did not assure me I would be credited the payment I made to the same account which I had requested due to the XXXX fraudulent changes to my account which they acknowledge. 
All parties I spoke with including the fraud department were indifferent to my complaint.
Product: Checking or savings account

Tax refund loan was deposited and as soon as it was account became unavailable. Physical card expired in XXXX yet no replacement has been sent yet. A card was requested almost XXXX weeks ago but app is still saying XXXX more days before it is sent out and than 7-10 BUSINESS DAYS after that it should arrive! My digital card number is hidden so woth no phyaical cars i have no access to MY MONEY! If i dodnt need the money asap i woulsnt have opted in for the refind loan and credit karma knows this. They are a predatory company that will do anything to hold on to a customers money as long as they can to make as much off someone elsea money as they can! Phone number was not updated a month and a half ago like requested so I was unable to fully log in. It took me XXXX hours to get the number updated! Once they finally updated my phone number they locked my account for security reason even tho i had to do a self verification including state drivers license and selfie check! These people are always locking someone's account. They can't seem to " secure '' an account from ANYONE other than the person that the account belongs to and it's ridiculous. Its MY MONEY and I want to have access to it NOW. This account never has any problems until there's a deposit.