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

I received a notification from a credit monitoring agency regarding a hard inquiry from XXXX XXXX on XX/XX/XXXX. This inquiry had incorrect employment information as well as incorrect address listed. I called XXXX XXXX Fraud department, who stated they were unable to locate any account with my information, including my social. They then gave me another phone number associated with the applications department who was able to locate an outdated account from XXXX. They stated there are no open accounts or inquiries. This is false, as have a current credit report with a hard inquiry from the XXXX of XXXX. They did not escalate the issue, and were unable to resolve or dispute the inquiry. I have frozen my credit and will be filing a Fraud report with the FTC as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO ALL CREDIT FURNISHERS, ALL ACCOUNTS THAT SHOULD BE REPORTING ON XXXX, TO WHOM HAS VIOLATED F.C.R.A. 15 U.S.C. Section 1681g since XX/XX/XXXX must effective today re-insert the account back into transunion suppressed credit reports.or face class action litigation in XXXX.
Product: Bank account or service

On XXXX/XXXX/2016 Capital One sent me an email to inform me to log into my account to cast votes for my stock. I attempted to do that but got a message that read " We are unable to accept your voting instructions online. If time permits, please return the voting instruction form in the enclosed business return envelope, or contact your financial institution. '' So I contacted the financial institution to informed them of the issue and to either send me the documents in the mail and/or fix the online issue. These request have been ignored by the financial institution.
Product: Debt collection

CREDENCE RESOURCE MANAGE I have no knowledge of this company calling to collect a debt of {$250.00} for XXXX XXXX XXXX this company has been bought out
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items. Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation. 
Documentation highlighting my responsible financial behavior and positive credit history. Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies XXXX hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. I formally request an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility. Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which mandate a response within 30 days of a dispute. Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXXDOFED  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Mortgage

I have a mortgage through PHH Mortgage company. I confirmed with a PHH representative that all of an excess monthly mortgage payment will automatically be applied to the principal balance. For several months, my excess payments were being applied to my principal balance. However, on XX/XX/2020, I sent a payment of {$7000.00} to PHH. As my monthly payment is {$1700.00}, {$5200.00} should have automatically been applied to my principal balance. Without my express permission, instead of applying the full amount to my principal balance, PHH deducted {$1700.00} as an " advanced '' XXXX payment. I called PHH and explained the issue and stated unequivocally that I wanted ALL excess mortgage payments to be applied to my principal, and not to any advanced monthly payment. On XXXX XXXX I made a {$7000.00} mortgage payment. Despite my previously stated instructions, PHH once again failed to apply the excess amount to my principal. As before, they deducted {$1700.00} as an " advanced '' XXXX payment. Given that practice has only begun as I am approaching mortgage pay off, I believe PHH is deliberately refusing to apply my excess mortgage payment to principal in order to increase the life of the loan to increase their interest profits.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX Account # : 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.
Product: Credit card or prepaid card

This company refuses to update an account that has been paid. They continue to report that theres a {$200.00} balance on the account, when in fact there is not a balance on the account. It was paid in full. The account was also closed against my will.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I have spent the year trying to fix the inaccurate, incomplete, and unverifiable errors within my account from XXXX. I have called them and told them personal to fix the issue but has not. I have recently send them mails asking to fix the issue. Still no change. The credit bureaus must obey many laws, including the fair credit reporting act ( FCRA ). And according to the FCRA, an item on your report MUST be removed if it is any of the following : I am writing this so XXXX, XXXX, TransUnion can update/correct my personal information on file with their company. 

Please updated my address to : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please updated my name to : XXXX XXXX My only social security number is : XXXX My only and corrects date of birth is : XX/XX/XXXX My only employer is : XXXX  XXXX  I do not wish to have any telephone number on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA since they are inaccurate.

Due to this issue of inaccurate information within my account from XXXX  : It has damaged my personal credit score. Accumulated hard inquiries due to inaccurate account info from XXXX. Has provided the wrong name to banks, companies, lenders, when applying for credit.This issue has wasted so much of my time and has effect my business to move forward. Lost time is never found. 

Also while checking my most recent report, i noticed credit inquires that i did not authorized, made by the following companies ; and they were also provided inaccurate, incomplete, and unverifiable information from XXXX when checking my credit.

Company and Inquiry date 1.XXXX/XXXX  & XX/XX/XXXX.

2.XXXX/XXXX & XX/XX/XXXX 3.XXXX XXXX XXXX & XX/XX/XXXX 4.XXXX XXXX & XX/XX/XXXX 5.XXXX XXXX & XX/XX/XXXX 6.XXXX XXXX & XX/XX/XXXX 7.XXXX & XX/XX/XXXX I did not authorized anyone employed by the these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 161b and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authoring an inquiry. In the absence of any such documentation bearing my signature, i formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. 

My contact information is as follows : XXXX XXXX email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Student loan

Since XX/XX/XXXX I have been trying to get my student loans errors corrected. 
On my credit report the Nelnet company is reporting the same information 3xs on my XXXX, XXXX, XXXX, XXXX & etc. reports showing all loans have increased in XX/XX/XXXX through XX/XX/XXXX in red. 
Signaling that I'm late in paying when I haven't started paying because I'm still attending school and my loans are in Deferment. 
The loans are subsidized and unsubsidized and are not to increase while in deferment. 
Nelnet company is refusing to correct how they are reporting my accounts making my credit profile look like I'm paying my loans late which is not true it's a lie. 

The Nelnet accounts I'm referring to are as follows : # XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate acct. being reported as mine not true only one is not both ) # XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate acct. only one is not both ) #  XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) ; # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) ; # XXXX ; # XXXX ( is a duplicate one is not one )  ; # XXXX ; # XXXX ( is a duplicate one is not mine ) # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) # XXXX ; # XXXX.
Product: Credit card or prepaid card

I've had multiple calls with Syncrhony Card Security department. They have been charging me a Card Security fee that I had never noticed until this month when completing company expense reports. I used my PayPal XXXX XXXX ' account, which is powered by Syncrony XXXX Upon further digging and calls with this department realized they have been charging me this since 2009. On my last call, I made them cancel and prior to hanging up the rep offered me ~ {$1100.00} refund on the phone, which I took as an immediate acceptance of fault and explicitly stated " I don't accept this offer, I want a full refund because I never authorized this service ''. He said their department would be in touch within the next 3 business days -- that was 2 weeks ago. Since, I logged into my Paypal account today and noticed a credit of {$1600.00}, which I did not accept or authorize. For at least 18 months they have charged {$160.00} per month for this stupid 'card security ' benefit/service, so the above credit doesn't even cover the year they have fraudulently taken money from me. My only request on my last call, which I have not received yet, is that ( 1 ) I wanted a report of every month this fee was levied and ( 2 ) I wanted all of the metadata on any click-through or acceptance I had every executed, which shows that I acknowledged purchasing this service so that I could give both to my legal team and instead of giving what I requested, they have attempted some arbitrary credit. I've included my last written correspondence from them, in which you can see there is no mention of a refund, just acknowledgment of cancelation of the service. 

At this point, this particular department and bank is not listening to my requests, and I frankly am not sure what to do at this point other than leverage CFPB.
Product: Debt collection

Continuing to contact me even after I told them this is not my debt. Asked the agent to stop calling my work phone and to only contact me through mail on XX/XX/XXXX. They are still contacting me via phone even as of today XX/XX/XXXX every day.
Product: Debt collection

18 years ago I was informed I had a time share at a place called XXXX XXXX. 
I disregarded the letter as I never bought into any timeshare in XXXX XXXX. I called the timeshare company then and told them I did not buy the timeshare. I did not hear back for about 5 years and assumed it was gone. Then I started getting calls that I owed {$5000.00} in back maintenance fees. I called them and told them I didnt know who they were I didnt know where they were. The next week I get a company called Meridian financial services send me a letter for collection. I called them and they were nasty and told me I would pay them eventually and they hung up. They harassed me weekly and sometimes daily calls. I hired a company call XXXX XXXX and they had it removed from my credit report as it was causing me to get turned down for credit. 6 Months later it was back on my report. I got it removed and 1 year later they got it back on. I get letters from the XXXX XXXX that I owe {$14000.00} in back fees. I hired another company called XXXX XXXX. Now what Meridian does is Put collection accounts on the report with different numbers each time so it looks like I have several collection accounts when it really is just the same company. I called them and they hung up. My credit is still being wrecked by this company it is the only bad on my credit report I have never been late on any of my many accounts but it costs me higher interest rates on my mortgages. But I refuse to pay the blackmail they are doing to me. I have asked repeatedly to show me one place anywhere that I signed for this timeshare and they tell me they dont have to. I did find that someone not related to me grant deeded this to me and I found that you can do this to anyone as long as there is no mortgage on it. I considered grant deeding it to a Judge and let them deal with it but decided against it. Several years ago I grant deeded it to a homeless guy who did not care and I informed the XXXX XXXX about it and they responded with they dont recognize that deed. I told them it is the same way I got stuck with it. They still keep sending me bills for over 15K. Please help!
Product: Mortgage

I have a mortgage with XXXX/Mr.Cooper which I have had for 21 years. On XX/XX/2020 a wind storm wreaked havoc on my property and extensive damage was done which included destruction of a storage shed, roof damage as well as battering of other structures. A claim was filed to the insurance company and they responded by submitting to me and my spouse a check in the amount of {$18000.00} ( after deductible ) for repairs which will only cover a portion the damage. More claims may need to be filed. When we attempted to deposit the check into our account at XXXX  XXXX XXXX, they in turn informed us that we needed the signature of XXXX  as well which we were unaware but certainly understood. I spoke to the director of customer service at Nationstar after submitted the check to them and she informed me that since the check was for less than {$20000.00} the payment for all repairs would be unmonitored and that my spouse and I could independently pay for the repairs by the contractors upon completion of the services offered. However, on XX/XX/2020 I phoned My Cooper/XXXX and I was informed that the process would be monitored due not receiving mortgage payment for the month XXXX when the claim was filed ( XX/XX/2020 ) The status of the account was not delinquent but I made a payments after discussing the matter with them and the account is current. They seem to be unwilling to remove the monitored status from the management of the funds that must be used to restore my roof before storm season, replace screen over my pool deck and replace the shed. Again, it will probably cost me additional funds to restore my home to pre-storm status and I have been unable to find a legitimate roofing company that will agree to do the work then wait for a check from the bank. Additionally, we have already had two heavy rain storms since this claim was filed and presumably more roof damages. If water damage occurs, the insurance is not obligated to pay for any claims. If the roof collapses and causes harm to my family members, I will use legal means to hold this bank accountable.
Product: Credit reporting or other personal consumer reports

These hard inquiries I do not recognize or have not been authorized by me. 

XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/23, XX/XX/23, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COAF XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I left Illinois the last week of XX/XX/XXXX. I had a prepaid account with XXXX and I returned my equipment and signed a cancellation form on or about XX/XX/XXXX, before a new month/bill was due. They neglected to process the paperwork in a timely manner and want me to pay for a month of service I never received. I disputed this account on my credit report last year with XXXX and now it's shown up again as a collection account almost two years later. I C System in the amount of {$130.00}. It's not a matter of being able to pay, it's the principle of the matter, especially since they are a horrid company I had to deal with for years.
Product: Debt collection

I requested a debt verification letter from this company, and they have ignored the request for this letter and continued to call me. I also do not believe that it is fair to be attempting to collect this debt at all. I have contacted Paypal numerous times trying to pay this balance, and they told me I did not have a balance owed. I only found out otherwise when receiving a letter from a debt collector.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they appeared. I check my credit report regularly, and everything was fine before, but now, these discrepancies have surfaced unexpectedly. I even refreshed my browser to see if it was just a technical glitch, but nothing changed. Because of this issue, I am requesting that the documents I submitted be carefully reviewed to ensure I wont have to deal with this concern again.
Product: Credit card or prepaid card

A {$7500.00} dollar credit card was opened in my name through Bank of America which I did not authorize XXXX or XXXX of 2022. I have placed an active fraud protection to stop any charges that may occur.
Product: Checking or savings account

On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at XXXX XXXX. It was reportedly sent to BankUnited. BankUnited claims these funds were never received and XXXX states funds were withdrawn and I would need to talk to BankUnited. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To BankUnited, N.A. XX/XX/XXXX Bill payment {$2200.00}. 


The Trace number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan that was reported on my account that I had never had in my life I have never had an auto loan with Santander bank theres no Santander bank in XXXX PA this account is now closed and I need to get this removed off of my credit because it is identity theft I did call Santander and they instructed me to this website to get this removed off of my credit I have also sent Santander my police report that I filed with my local police department
Product: Credit card or prepaid card

I tendered a payment under UCC 3-603 certified mail # XXXX XXXX XXXX XXXX XXXX Billl of exchange Money order # XXXX on XX/XX/XXXX via notary presentment with Form 233, and 1040v
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto insurance company, XXXX XXXXXXXX, uses LexisNexis to establish an " insurance score ''. They keep showing two reason codes that are incorrect, XXXX - Number of accounts with bad debt in the last 24 months or derogatory public record or collections is 1 or more and XXXX - Insufficient information on bank revolving accounts. 
Both these comments result in me paying higher insurance premiums which is totally wrong! 
XXXX refers me to Lexis Nexis. Lexis Nexis refers me to the 3 credit agencies- XXXX, XXXX and XXXX. My reports with them are spotless. My scores as of XX/XX/XXXX are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX. 
There is incorrect info being reported from somewhere and nobody wants to investigate they all point fingers at each other. When I contact any of these companies, you can't get a live person on the phone, and the automated system only wants to send a report. I have the reports and there's nothing derogatory on them. 
I had a XXXX XXXX confirmed on XX/XX/XXXX and discharged on XX/XX/XXXX which is more than 2 years ( 24 months ) ago. In the three credit agency reports, they report me as having credit for 32 years and have not had one late payment in the last 2 years. 
I realize there's no incentive for XXXX  to discover they truth then they'd have to lower my insurance premium PLEASE HELP!!!!!!
Product: Mortgage

Wells Fargo services our mortgage ( Loan number XXXX ). We asked for and received a short term ( 6 month ) suspension of our mortgage payment due to the pandemic. I am a XXXX and my XXXX has essentially disappeared. I can't pay my rent in my XXXX XXXX and my XXXX XXXX XXXX will be impacted if I lose my home. 

Our mortgage is actually owned by XXXX. I went to their website and they offer a 12 month suspended payment program as well as other payment options. Wells Fargo does not. Why the discrepancy? The offerings should be consistent. 

None of knows what will happen with the pandemic and need the assurance that WF is not going to take advantage of us or the situation.