23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I made a payment of {$2000.00} through online banking with XXXX XXXX XXXX XXXX to pay our mortgage for XXXX and XXXX. I inadvertently selected the wrong biller on our online payments. Our current mortgage holder is XXXX XXXX. Several years ago, we had our mortgage through Nationwide Advantage Mortgage. I inadvertently sent the {$2000.00} to Nationwide Advantage Mortgage instead of XXXX. 

I realized my error when we received a notification in early XXXX from XXXX that our mortgage was more than 30 days past due. I checked my account and noticed I had sent the payment to the wrong company. I contacted Nationwide Advantage Mortgage through every phone number I could find. Their automated phone system does not allow you to speak to a human without putting in an account number or social security number. I do not  know what account number the payment was sent to, and XXXX XXXX XXXX XXXX was unable to tell me. I tried pressing zero, saying operator, waiting it out -- nothing could get me through to an actual human. 

When contacting Nationwide failed, I contacted XXXX XXXX XXXX XXXX. The person I spoke with said that Nationwide had accepted the  payment. But she said XXXX XXXX XXXX XXXX would open a dispute and that we would have the money back in our account in ten days. I was so relieved. Several days later, we received a letter in the mail that our claim was denied. When I called to inquire, I was told that they denied the claim because I had authorized the payment. I never disputed that I had authorized the payment, but it was done in error and paid to a company where we do not have a mortgage. XXXX XXXX XXXX XXXX told me there was nothing further they would do and suggested I contact Nationwide ( which of course I can not do because I don't have an account number ). I asked again if they could tell me the account number they sent the payment to, and they said no. 

With no other options available to me to retrieve the {$2000.00} that Nationwide essentially is keeping fraudulently, I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Help! My social security number was compromised and I am a victim of Identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681. Section 6 o 2 states I have the right to privacy. ( 15 USC 1681 section 6 o 4 a section 2 ). It also states a consumer agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX M SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent an Affidavit of truth to XXXX, EQUIFAX AND XXXX STATING THAT THEY ARE IN VIOLATION OF MY RIGHTS, TO CLEAR MY CREDIT REPORTS AS WELL TO PROVIDE ME WITH THE UPDATED CREDIT REPORTS FROM EACH COMPANY AND TO RESPOND TO THE INVOICE ALSO PROVIDED WITH THE AFFIDAVIT OF TRUTH
Product: Mortgage

Identity theft XX/XX/XXXX, perilous Hail storm XX/XX/XXXX, XXXX ( dumpsters winched from faucets. Hose credited, all homeowners insurance claims Underpaid, underpaid on wrong structure, and no personal injury but fell at XXXX XXXX XXXX XXXX Colorado in asking what the heck is that truck doing in my backyard? 

XXXX, non vet XXXX owner since XX/XX/XXXX. 

So when the police came XX/XX/XXXX in home office of XXXX ( incorporation date XX/XX/XXXX ) and primary home of XXXX XXXX XXXX onset date was XX/XX/XXXX. Many people f XXXX  ceo ( XXXX  ) XXXX  XXXX  lost many XXXX of goods and to {$600000.00}, but only in the California corporate Studio site. 

XXXX XXXX then, sold to Shellpoint on mandated homeowners insurance and appealed denialisms of this underwriter and agency. Even turned in to state regulatory agencies. Ignored. 
Foreclosure cured by not me and likely upset family once in bundlers renewal scam I allege, still. 

Identity theft and files from XXXX attached XXXX XXXX  and the homeowners post asset sale of another mortgage by XXXX/XXXX/shellpoint. 

Owed {>= $1,000,000} that day in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I looked at my report. I sent a letter to experian, transunion and XXXX on XX/XX/XXXX asking them to reinvestiagate these accounts : portfolio recovery twice XX/XX/XXXX they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX transunion XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

In XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX university in XXXX. I understood that this institution might not have the same resources as my previous, larger university, but I expected some level of support during a period of significant financial hardship. I became homeless, lost my job, and had to return to my hometown. Since then, I have actively sought employment while repeatedly reaching out to the university for emergency financial support. 

The university informed me that the only available financial assistance would come in the form of scholarships or financial aid, but these funds would not be disbursed until after a trial period for XXXX XXXX which meant the first disbursement could only be issued on XX/XX/XXXX. Furthermore, the university only issues these funds as checks, which has introduced further complications. 

Due to my current financial hardship, I am several months behind on critical bills, including my phone bill and storage fees. My storage unit is scheduled to undergo an audit on XX/XX/XXXX, which may lead to the sale or loss of my belongings if payment is not made in time. I received my financial aid check on XX/XX/XXXX and deposited it into my bank account with TD Bank. However, TD Bank has placed a six-business-day hold on the funds, meaning the money will not be available until after my storage units scheduled audit, placing my personal property at risk of being lost. 

This situation has put me in severe financial and emotional distress, and I am urgently seeking advice or support regarding options to expedite the release of these funds or to secure emergency financial relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over several disputes to XXXX, XXXX, and Equifax in regard to XXXX XXXX XXXX for the last 2 years. 

I email XXXX  a letter on XX/XX/XXXX asking for multiple things and if not received that they were in violation of the FDCPA. Over the course of 30+ days, their customer service did not read the letter contesting the accounts in question, instead continued to pass the buck. I wrote another letter to them dated XX/XX/XXXX, and I never received any correspondence from them in regard to the letter, and did not fulfill the required information as requested in the letter. 

This debt is also too old to be collected on as it states it is from XXXX, and MN has a 6 year statute of limitations on debt reporting. 

Insofar it has not been removed from my credit report despite numerous requests to credit reporting agencies. I want it removed within 15 days.
Product: Debt collection

I have already filed a complaint but was unable to add to it so I went ahead and filed this report in order to add what I missed. Confirmation number for complaint filed is XXXX. I keep getting letters in the mail with the wrong amount on debt owed. XXXX XXXX XXXX has already contacted National Credit Systems with the request to remove my son 's name from the account and make the corrections to the amount owed. Here 's the correct amount something that I didn't include in the first complaint. Sorry I got the amount wrong. 

Charged : Market rent for XX/XX/XXXX {$1100.00} Credit from XXXX XXXX XXXX Then a month-to-month fee XXXX Total rent due for XXXX {$1200.00} Renters Insurance waiver XXXX Utilities billed in XXXX XXXX usage for XXXX Total due {$1300.00} XX/XX/XXXX received payment of XXXX XX/XX/XXXX late fee charged XXXX XX/XX/XXXX received payment of {$86.00} {$1200.00} Balance due for XXXX XXXX file was sent to attorney on XX/XX/XXXX for non-renewal Market rent for XX/XX/XXXX {$1100.00} Month to Month Fee XXXX Renters Insurance waiver XXXX Utilities billed in XXXX {$120.00} usage for XXXX Total due for XXXX, XXXX {$1300.00} Keys turned in XX/XX/XXXX XXXX prorated rent and month to month fee credit for XXXX Total owed for XXXX {$690.00} Rent, Utilities and insurance waiver {$1900.00} ( open balance ) That was owed for the two months you stay without paying. 

Prorated rent was done from when system moved you out on XX/XX/XXXX so we can credit back the 3 days off your balance. 

{$680.00} credit given for XXXX {$700.00} should have been the credit for ( XX/XX/XXXX XXXX ) {$22.00} additional credit Balance {$1900.00} minus additional credit {$22.00} balance due {$1800.00} Attorney Fees charged since your file was sent to the attorney for evictions since we failed to receive keys. XX/XX/XXXX and the charge is {$240.00}. This is a set charge ; ( These fees were assessed once file is received at attorneys office for not moving out on the non-renewal ) Insufficient Notice fee Penalty charged {$680.00}. You are correct with the nonrenewal this fee should have never been charged, I will back out the charge. 



Standard Charges : Damage and cleaning addendum : Pictures attached all charges for the unit cleaning fee, paint and carpet clean were charged at a minimum. The damages of Vertical blinds, Blind slats were charged at cost. Total {$390.00} Moving out and disposing of furniture left behind {$350.00} Total Charges {$740.00} Total charges for move out {$3500.00} Minus Insufficient notice fee XXXX Minus your deposit - XXXX Total Due {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I had signed on my XXXX XXXX   account on XX/XX/XXXX and noticed hard inquiry 's I never authorized or signed up for. I am looking to have these removed as this is fraud and someone was trying to use my personal information. I just tried calling up some of these companies and they all pretty much said I have to dispute here in order for false inquiry 's to come off credit report here are the ones I do not recognize and believe them to be fraud ... I would like these to be removed from any credit card reporting agencies as I did not do any of this and it is inaccurate. 

XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting

TransUnion credit bureau has had an account on my report listed as " in dispute '' status for over XXXX months. Because of this I have been unable to secure a mortgage as the lender will not issue a mortgage to anyone who an account shown as " in dispute ''. They have been unable to tell me why it remains in that status and show no inclination to change it.
Product: Credit reporting or other personal consumer reports

TRANSUNION AND XXXX ARE REPORTING INACCURATE INFORMATION!
Product: Debt collection

I switched phone companies to save money and avoid the inconsistent information I was getting from XXXX 's employees. The new phone company advised they would pay off the final amount owed for the phone ( approximately XXXX ) but when they gave me the money for the final payment they failed to tell me that they used part of the money on my new phone. Therefore, they led me to believe that I would owe nothing, when in fact I now needed {$190.00} to pay to XXXX the first phone company. This collector ( for XXXX ) has continuously placed calls to me at all hours of the day. They usually call at least twice but usually about four to five times in a day. I have already received final bills from XXXX itself ( and only switched phones a few months ago ), as well as another letter from a collector explaining its collecting a debt. But they continue to place calls all day to me despite the fact it is receiving payments and was told incorrect information by both companies from the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon selling our home, we transferred the loan on the XXXX XXXX  to the new homeowner. The owner was required to become pre-approved and sign an agreement with Loanpal, aka Goodleap ( as of XX/XX/XXXX ). Loanpal released the Lien on the home once all of the contingencies were met so that we could close. We closed on our Home on XX/XX/XXXX. The XXXX payment was autodrafted from our account and upon calling and inquiring Loanpal stated it was because the account had not been fully transferred but to not worry they would not be auto drafting our payment anymore. A couple of months go by and we started receiving letters regarding delinquent payments. We contacted Loanpal and they said to ignore the letters that the transfer process was not finalized but that it would not show up on our credit etc. XX/XX/XXXX The transfer process was finalized and we received a letter with a XXXX balance. However during the time between XX/XX/XXXX and XX/XX/XXXX Loanpal reported delinquencies to our credit report and they continue to report the balance due of our previous loan as well as the standing of the loan being 90+ pays past due. This has sent our credit scores plummeting and is false information being reported to the credit bureaus. Loanpal has refused to fix the issue when contacted. We have disputed the claims with the credit bureaus and are currently awaiting results.
Product: Credit card or prepaid card

On XX/XX/XXXX Opened Kohl 's card at store to receive advertised discount on purchase. Paid in full by due date on XX/XX/XXXX ( Sunday ). They posted the payment on XX/XX/XXXX Kohl 's charged late fee without notification. On XX/XX/XXXX I received a recorded message on my cell phone " Call Kohl 's at XXXX ''. I called right then and spoke to a representative that claimed I made a late payment and a late fee was due. He looked at my account and determined I paid my payment on XX/XX/XXXX ( Sunday ) an hour after their " due time '' therefore they applied it to the day after. I was NOT made aware of a due time, only due date when I opened this card. I looked through the bill and it does not stipulate a time of day the payment is due on the due date. Per the Credit Card Accountability Responsibility And Disclosure Act of 2009, Sec.202 Requirements Relating to Late Payment Deadlines & Penalties Section 127 ( b ) 12 ( A ) Kohl 's does not adhere to the Late Payment Deadline Required To Be Disclosed section on their account statements. 

The representative reversed the late fees/interest on XXXX, XXXX A few weeks later I went to refinance my home and my mortgage representative said Kohl 's reported me 30 days late in XX/XX/XXXX due to the late fees they added to my account. I tried numerous times to speak to a Kohl 's representative to have this error fixed, they have refused to assist me in getting this resolved. Kohl 's reversed the fee/interest, but refuses to accurately report the correction to the three major credit bureaus.
Product: Debt collection

Subject : Formal Request to Rectify Inaccuracies in Credit Report Dear TransUnion, I am writing to address significant inaccuracies that have been reported in my credit file by your organization, which have recently led to the denial of credit. The presence of these inaccuracies is evident, and I am outlining the specific accounts in question below : Account : XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

Account : XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

Account : XXXX XXXX  Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

It is crucial to emphasize that I did not provide written authorization or instructions for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and expunged. I want to assure you that this request is made in complete accordance with relevant laws and is not based on any misrepresentation of facts. 

Your organization 's actions seem to be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which explicitly states that a consumer report should not contain information solely based on transactions or experiences between the consumer and the reporting entity.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the aforementioned accounts. Furthermore, I demand access to all documents upon which you are relying for reporting accounts ( 1 ) and ( 2 ) as referenced earlier. This demand is in accordance with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), which grants consumers the right to access such records. The information being reported is not only detrimental to my reputation but is also adversely affecting my creditworthiness.

Therefore, I hereby request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Additionally, alongside the removal of erroneous and unverified information, I kindly request the elimination of all non-account holding inquiries that are older than 30 days. As defined by XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, " verification '' is the confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. The purpose of verification is to ensure the good faith of a party 's averments or statements. 

Failure to provide a satisfactory response with the deletion of the aforementioned utilization and inquiries will result in legal action against your company. For each violation, I will seek {$1000.00} in damages for defamation of character, civil liability, and violations of the Fair Credit Reporting Act 15 U.S.C 1681. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on XXXX, XXXX on Equifax. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX