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

XXXX with whom I have a 1st Mortgage loan in XXXX provided me with a loan modifications in XXXX after I contact them requesting the cares act relief as I was diagnosed in XXXX XXXX in XXXX of XXXX. The modifications was written to stop the loan due dates in XXXX through XXXX and reset in XXXX of XXXX and defer to end of loan. Then payments partial until XXXX of XXXX them pay 6 months consecutive and then refi to a home equity loan. I was told the dates would be forgiven and not report late or partial for the XXXX through XXXX. I went to refi my loan in XX/XX/XXXX and was not able to get all the documents in on time and now in XX/XX/XXXX went to look into gov programs for special rates. I checked XXXX XXXX and my credit had fallen under XXXX and was furious. My XXXX was reporting my loan as a standard revolving account loan and all of the dates from modifications were XXXX XXXX and 90 days late. And my other accounts were closed due to low credit score. Credit utilization 444 % even though paid on time. I tried to get a loan with XXXXXXXX XXXX XXXX to pay those off and was denied because of the debt income ratio and to refi loan with XXXX and dispute to have credit fixes. I wrote to XXXX as well as dispute 3 credit reports and XXXX replied reporting correctly and my loan modifications report correctly. I am currently refi with XXXX taking over 5 weeks and they refuse to fix credit report only mini refi paying all my debts not allowing me to keep my car loan or my prepaid credit cards. I have dispute with the XXXX their CEO and nothing has changed.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because l was a victim of the XXXX data breach. I have phone them several times and nothing has been done. I have received no settlement whatsoever even though I have sent multiple claims. They all have gone unanswered. I want all the fraudulent items Deleted from my credit reports effective immediately. I attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. My credit was XXXX before I went into the hospital for a year when I came out its now XXXX this is unfair unjust and unethical. Especially since Ive already informed them and they in fact told me that I was a part of the breach. I shouldnt have to go through so many hoops for them to rectify there mistakes. Especially after serving my country. I really need this remedied and would like to know what happened to my settlement.
Product: Credit card or prepaid card

I made a large purchase on my chase freedom cad with the intent of using Chase Pay. According to the program, I can enroll the large purchase in a chase pay payment plan as long as the amount is over {$100.00}. Well my purchase was {$2900.00}. Ive called 6 times to get this resolved and no one is helping me or telling me that it will be available. My payment is due on XX/XX/21 and Im trying to get this resolved before making a payment, because if I do make a payment then the charge will be ineligible for chase pay payment plan. I need someone from Chase a senior specialist to assist me because the last 6 customer service reps have been XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.
Product: Checking or savings account

I check my transaction history everyday. Chase bank will charge my card for a transaction. This transaction will fall off and I dont ever see my funds put back in to my account. When asked Chase claims that the money was put back in to my account. They tell me the date. On my transaction history it is no where to be found. This happen to me often and Chase gives me no valid explanation. They only say that the charge fell off and they never took the money out at all. This is not true cause my available balance and the money they take always reads red. It is blue when money is received. Which they do not post. I can not see when transaction fall off my money being returned. Then the transaction itself disappears as well, leaving no trace of said transaction. So its mentally frustrating and putting me in a low place of XXXX.
Product: Bank account or service

BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus. The reason was " Your account had only XXXX direct deposit of a Social Security payment ; it was not recurring. All other credits to your account were internet transfers from XXXX. '' I apologize for having thought that recurring deposits from my military account would qualify. I kindly ask if you could please honor the bonus as a one time courtesy. 

Thank you so much,
Product: Credit reporting or other personal consumer reports

I AM TRYING TO DISPUTE HARD INQUIRIES THAT I DON'T RECOGNIZE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting erroneous information on my credit report
Product: Credit card or prepaid card

On XX/XX/21 I was approved in the Home Depot store in XXXX XXXX California for a consumer credit card. I used the temporary charge pass to purchase at product. The balance owed was XXXX I noticed that my mailing address information was wrong on the screen at the store where I made the purchase. 
I called the number XXXX to correct the address. A representative told me that she could not update my mailing address for 72 hours. I called back on XX/XX/21 when I called I got an automated system which allowed me to pay the balance of XXXX in full with my XXXX XXXX XXXX XXXX XXXX. Then I was able to speak to a representative named XXXX who told me that she could not update my mailing address until my account had been verified she informed me that I must wait for a phone call or something to come in the mail that would allow me to verify my account. When I told her that I had just payed off the balance of XXXX in full she told me that she was not able to discuss payments with me. 
I gave her my phone number and asked her to make a note to have a representative call me since the address they had for me is wrong and I can not get mail there. 
On XX/XX/21 I called back to see if my account had been verified yet because I noticed in my XXXX XXXX Debit Card statement that the XXXX pending purchase had been replaced with a XXXX payment. I spoke on the phone with XXXX again who was polite but did not resolve my issues. 1. Change address 2.Balance and Payment inquiry. I asked to speak to a supervisor. Then I spoke with XXXX who repeated the info about not being verified and hung up on me. I was polite and respectful but XXXX was very rude to hang up on me without resolving my issue. I called back and explained what was going on to XXXX. 
XXXX was extremely rude to me and began to lecture me about being difficult I decided at that point to file a formal complaint. Currently I have a XXXX debt with the Home Depot Consumer Credit Card And no way of ensuring that my bill will arrive at my correct mailing address. 
Whats more, the credit card itself will be mailed to the wrong address and then be available to someone who is not authorized to use it. 
Secondly I am unable to pay the entire balance and clear the debt. When I made a payment in full only XXXX was deducted from the debt. Therefore since the amount deducted from my payments is not up to me and is arbitrarily determined by the credit card company they could allow the debt to run past the 6 month no interest promotional period and start charging interest. I was treated very rudely on the phone by the customer service representatives and I have no way of clearing the debt. 
I would like to know why my full payment was not accepted. I would like to pay it off and then cancel the account I am completely dissatisfied with the lack of service provided by this company.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Mr. Cooper XX/XX/XXXX. 
MrCooper 's escrow analysis from XX/XX/XXXX provided me a check for a {$1400.00} surplus. I recognized this was in error because they had incomplete information from XXXX XXXX on Tax Payments. I called the company, with great difficulty getting through their automated phone services, and explained the mistake and asked if I should return the check or deposit it. They said it was Ok to deposit the check and they would do an updated Escrow analysis when they had complete information. If I then owed them I could send money back. 
XX/XX/XXXX the new Escrow analysis showed a short fall and I mailed them a check for the amount requested, {$420.00}. 
XX/XX/XXXX I noticed looking at my bank account that the {$1400.00} surplus escrow check I deposited XXXX/XXXX/XXXX had been reversed XX/XX/XXXX due to a stop payment. 
At no time did Mr Cooper communicate that the check they sent me would be stopped even though I proactively called them to discuss. The automated system hung up on me when it did not recognize " XXXX '', " Customer Service Rep '' or " Speak to a person ''. 
I understand errors happen, but canceling the check they sent me could have resulted in serious down stream effects with me bouncing checks. I have many accounts and the money might not have been in the right place since I thought I had funds. Very poor communication and disregard for the impact to their customer. This likely happened to many mortgage clients and they should have done a specific communication about the issue and options for how to correct the problem.
Product: Money transfer, virtual currency, or money service

My bank account is blocked with XXXX debt after i receive ACH transfer, 1 month ago and until today And I havent receive answer from the bank and the bank do not reverse the funds to the sender, no body at the bank tell nothing, not official communication, nothing and I dont have the money and the sender do not have the money too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans-union had a glitch in their system and they did not notify me any form of contact. The credit inquires needs to be removed from my report. Also, i see several inquires on my report for a car loan. I already had a car and never applied for any car loan last year. It shows I have XXXX inquires from a car application. Please advise.
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : XXXXProof that you either own or were assigned the debt from the creditor XXXXProof that you have the right to collect this debt in my state XXXXProof that your company carries a bond XXXX.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor XXXXName and address from the original creditor XXXX.Copy of the original contract bearing my signature Thank you for your time and cooperation
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative accounts. I have tried numerous times to have this situation resolved with no resolutions. 
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

On XX/XX/year>, I received email notifications from XXXX where credit inquires was blocked. Upon checking XXXX website for details, my credit was unlocked, I locked the report back, then received notifications by email again that the companies ( XXXX XXXX, XXXX XXXX XXXX, Consumer Portfolio Services, XXXX XXXX XXXX was trying to inquiry my report. Reviewing information again the credit file was unlocked and I received 5 hard inquires from various agencies. I filed an FTC report on XX/XX/year> after disputing the information with XXXX, as I have a fraud alert, consumer statement and identity alert on report. The agencies did not contact me in reference of approval for credit inquiry as provided on credit report with XXXX. I was advised today by XXXX dispute representative that agencies are not required or do not follow consumer statements. I have received letters from XXXX XXXX XXXX and XXXX explaining that they couldn't extend credit for inquiry due to credit score or company does not provide services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Citibank that I was not actively using ( I have since cancelled this card ). In XXXX of XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XXXX of XXXX I used the card for the first time and later in that same month I received a bill / late notice from Citibank in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XXXX of XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called Citibank to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted Citibank and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.
Product: Credit reporting or other personal consumer reports

This is my several requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Debt collection

I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit. 
1. I dont understand the payment history of this account and how the charges went from XXXX to XXXX. 
2. I asked for the original contract bearing my signature.

3. I asked for the payment history and last payment date made on this account. 
4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The email says that it is a notice from XXXX  XXXX   XXXX  in an attempt to collect debt that I am not even aware of. I check the website and it shows that it is a XXXX XXXX XXXX XXXX!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!
Product: Credit card

This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.
Product: Mortgage

Since Saturday, XX/XX/2021, I have been assured that an online payment I submitted for my mortgage, made as a regular mortgage payment on XX/XX/2021, for my XX/XX/2021 payment, in the amount of {$610.00} would be credited to my mortgage as a regular payment. Needless to say, this has been one of the most frustrating experiences I have ever had in my life. Since I am getting absolutely nowhere making calls to the appropriate people, I am filing a complaint with you. Further, Wells Fargo should not be making decisions as to how my mortgage payments are applied when I specifically choose Regular Monthly Payment. 

On XXXX, XXXX, XXXX, I made a payment for my XX/XX/2021 mortgage payment. I specifically chose Regular Monthly Payment. When I went online last Saturday, I noticed that it still showed I owed a payment for XX/XX/XXXX. Concerned that my payment had not been applied, I made another payment on-line in the amount of {$610.00}. I immediately called customer service and spoke to XXXX to express my concerns. XXXX told me that since I paid early, Wells Fargo applied the payment to my principal. It is important to note that I pay my mortgage early every month and this has never occurred before. When I told XXXX, I wanted the XX/XX/XXXX payment applied to my regular payment for XX/XX/XXXX and I wanted the extra payment I made returned to my checking, she told me she would apply the XX/XX/XXXX payment to my regular payment and that I would need contact to Wells Fargo Bank to have the extra payment returned to my checking account. When I called Wells Fargo Bank they told me that I needed to call Wells Fargo Mortgage to have the payment returned to my checking account. 

On Monday, XX/XX/XXXX, I spoke with XXXX who told me that the payment that was applied to my principal would be corrected by the following morning and she could not put the extra payment back into my checking. I would have to call Wells Fargo Bank. I have called every day since Saturday with the same result. Finally, on XX/XX/XXXX the extra payment was returned to my checking account. On Wednesday, XX/XX/XXXX, I spoke with a manager named XXXX, XXXX assured me she would escalate the issue and have the XX/XX/XXXX payment applied as a regular mortgage payment within 24 hours and have it posted as paid on XX/XX/XXXX. This did not occur. Again, I called on Thursday, XX/XX/XXXX and spoke with XXXX, she told me she would reach out to the cash team to have the payment made on XX/XX/XXXX applied to my regular mortgage payment for XX/XX/XXXX, have it applied retroactive to XX/XX/XXXX, and she would have it completed the same day. It comes as no surprise to me that this issue still has not been rectified. 

Today, I spoke with XXXX XXXX, XXXX told me he needed to look into everything and would not be able to get back to me until XX/XX/XXXX. Now my payment will be late and the issue is still not resolved. 

I am completely dissatisfied with Wells Fargo customer service, lack of their response and inability to remedy the situation. Having waited patiently for a week, my patience has run out.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute a recent credit inquiry. The inquiry in question is identified as an ATG credit inquiry, but I have no knowledge of or authorization for this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid I paid our mortgage company Mr. Cooper ( Nationstar ) on  the XX/XX/2020 for our XX/XX/XXXX payment and was told that paying within the month would not result in a 30 day mark on our credit ... we have a new 30 day late on our credit dropping our score 77 points. I have tried to reach customer service at Mr. Cooper on three occasions now all of them resulting in a circular path to no one through their phone prompts and when I have waited both times were for 30 minutes with no response or informed time to be answered by a customer service agent.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and I found several inaccuracies on my account that account is hurting my ability to obtain credit Its my understanding that the credit bureau will investigate this account
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 DEPTEDXXXXT XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} US DEPT ED XXXX Balance : {$12000.00} US DEPT ED XXXX Balance XXXX {$7500.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$140.00}