23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Mortgage XXXX reflected {>= $1,000,000} overdue and the monthly payment was {$1300.00}. 
XXXX XXXX - Loan transferred to Fay Servicing XXXX Contacted Fay to make payment of {>= $1,000,000} ; the payment was rejected because it was less than the full balance. According to Fay the full balance as XXXX XX/XX/XXXX was approximately {$47000.00}. 
XXXX XXXX - The amount was disputed ; research of the prior servicer, XXXX, conducted, however " Mortgage Statements '' were not transferred per the rep. 
XXXX XXXX - Loan Modification requested due to deferral denial. XXXX XXXX was approved for $ XXXX but included erroneous calculations in the " Escrow Analysis ''. 
XXXX XXXX - XXXX XXXX a XXXX " Escrow Analysis '' resulting in a surplus of {$14000.00}. However, the beginning " Total Balance '' is {$16000.00} per the " Escrow Statement '' dated XX/XX/XXXX. The new monthly payment is {$1300.00}. 
XXXX XXXX Trial Plan completed, I paid a total of {$6300.00}. However, the monthly payment continues to be {$2200.00} and the current balance is {>= $1,000,000}. 

I asked Fay in three different written requests and multiple phone requests to adjust my account and clear the errors, but this hasn't happen as of today. My last payment was made XX/XX/XXXX. It appears Fay Servicing has multiplied the past due months by {$2200.00}, this is an error, the correct amount is {$1300.00}. Resulting in a difference of approximately {$20000.00}. This difference was placed in an escrow account as a shortage. This amount, it appears, was added to the escrow shortage reported by XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I had XXXX XXXX XXXX dollars on a money network account and there were many fraudulent transactions on my account equalling XXXX dollars I have had no luck with law enforcement lawyers and the company itself
Product: Credit card or prepaid card

I paid my payment for XXXX on XXXX/XXXX/XXXX. Since XXXX was coming I decided to pay my XXXX payment early, which was on XXXX/XXXX/XXXX. I received a email on XXXX/XXXX/XXXX saying I havent made my XXXX payment and had a late payment. I called customer service to find out what was going on and they said I had not paid my XXXX payment. I said yes I did, I paid it early. The gentleman said due to the billing cycle my payment on XXXX/XXXX/XXXX didnt show for XXXX XXXX payment. Therefore, I will have to pay {$300.00} on XXXX XXXX to get everything on track. That includes late fees. I was not late and never have been late. I paid it early and they faulted me for it. They made a complaint, but I was told nothing will change. If I dont pay {$300.00} on XXXX XXXX, I will continue to be behind and accrue late fees. And my credit will show default and that is not right. I pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information about the payment history associated with this account on all 3 credit bureaus. The information is inaccurate for the years of XXXX, XXXX, XXXX, and XXXX on all 3 bureaus. This company is in violation of FCRA 623aB in that information must be reported to all bureaus accurately. Clearly they have violated this FCRA623aB. Attached are the inaccurate information reported to each bureau and also a letter that states that this information must be removed due to violation of FCRA623aB.
Product: Credit card or prepaid card

I made a special payment of more than {$7000.00} to free up enough credit on my card to make a furniture purchase of approximately {$7000.00}. The payment was an authorized debit directly from my checking account. When I called Synchrony bank, I was told that the payment had cleared my bank, but their computer had put a hold on the available balance for nine days. As a result, I only have {$300.00} of available balance and any of the automated payments I have scheduled for this card that come and exceed the available balance will be rejected. Additionally, Synchrony bank was unwilling to increase my credit limit. Why is Synchrony bank allowed to make a hold on the payment for nine days when it has already cleared my bank?
Product: Debt collection

I sent a letter certified mail to request validation of debt and to cease and desist on attempting to collect the debt until it is validated. I do not know this company and have not signed any contract with them. They are threatening legal action for {$7900.00} and offer no proof that I legally owe them the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, hyundai closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to Hyundai in the amount of XXXX on XX/XX/XXXX. I called XXXXXXXX XXXX   almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. Hyundai reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me Hyundai was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX Hyundai received a payment from GAP, Hyundai then forwarded me two refund checks and sent a letter stating the account was paid off. In XX/XX/XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called Hyundai several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then Hyundai reported negatively again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in early XX/XX/XXXX, I noticed that even though my payments are automated, and whatever the required payment is, I was shown as owing ~ {$10.00} still. Upgrade has had this problem before where they continue to say I owe when I dont. So Im an attempt to resolve myself, I made the {$10.00} payment on XX/XX/XXXX. I first attempted to email, request # XXXX and they wouldnt help me over email citing privacy, so I called Upgrade on XX/XX/XXXX, and they said they would look into it. I then got an email on XX/XX/XXXX saying that I still owed {$7.00}. 

Throughout XX/XX/XXXX, I call over 10 times checking on the issue, being given the run around, being assured the problem was being looked into and would be resolved. 

I even called again on XX/XX/XXXX to insure they wouldnt report my late, Upgrade Request # XXXX. 

On XX/XX/XXXX, I start getting multiple alerts that I am delinquent on my Upgrade card account. I immediately called Upgrade support and they said they would resolve the issue. I called the next day to check the status and they said it would take 10 businesses days to resolve. I was patient and waited until today, XX/XX/XXXX, called back because the issue was not resolved. Still they transferred me elsewhere and forced me to leave a voicemail. So Im submitting this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was asked for varification which I never received. Experian said it was verified with all the errors on report. Experian saw dates were off balance study collecting interest. A collection shall not collect late fees once it hits credit report. Experian mostly at fault due to not investigating correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a written letter to XXXX XXXX XXXX   asking them to investigate an unauthorized hard credit inquiry that is on my personal credit file. On my credit file, it has 'XXXX XXXX XXXX   ' listed as a hard inquiry made on XX/XX/XXXX on my XXXX   and XXXX Reports. In my letter to XXXX XXXX XXXX, I vehemently stated that this inquiry was unauthorized and they did not have my permission to access my credit profile. At that time, I asked them to investigate and submit to me any documentation they may have displaying my authorization, or contact both credit bureaus to remove this inquiry.

On XX/XX/XXXX I received a letter via mail from XXXX XXXX denying my request to investigate this matter.
Product: Debt collection

XXXX XXXX  is trying to collect on an amount that is not true and accurate. XXXX reference number XXXX states the amount owed it XXXX but the account was charged off at {$2600.00}. and XXXX XXXX XXXX they say amount due is XXXX but the account was charged off at {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED A DISPUTE TO ALL 3 CREDIT BUREAUS ABOUT AN ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX THIS ACCOUNT IS CLOSED ON MY ACCOUNT ON ALL BUREAUS.. THEY ALSO HAVE IT REPORTING TWICE ON MY REPORT FOR XXXX  STATING ITS BEEN CHARGED OFF WITH A BALANCE. 
THIS ACCOUNT IS NOT MINES SO I DISPUTED THIS AND THEY HAVE DID NOTHING BUT DECREASED MY BALANCE AND CLOSED THE ACCOUNT THAT WAS ALREADY CLOSED DELETE THIS ACCOUNT IMMEDIATELY IT'S DESTROYING MY FINANCIAL LIVING.
Product: Credit card or prepaid card

Barclays. XXXX XXXX card. XXXX Refer to Original complaint # XXXX This is my third complaint. 
XXXX office of the president Initial complaint couldnt make payments, couldnt get customer service on phone to fix, couldnt get them to give me an updated bill. 
XXXX assured me that it would all be taken care of. All finance changes waived, late charges, credit score fixed. 
I sent in my final payment after charges were reversed and because it took months to resolve MORE late charges have accrued. I called XXXX at Barclays 3 times because I was concerned this would happen and received no phone call back. I knew the delay would cause this issue. 
I do not owe Barclays any additional money and I called 3 times to fix this with no response. I sent in the final payment that XXXX requested and I received a new bill today with additional charges.
Product: Credit card or prepaid card

In XX/XX/2017, I fully paid off the balance owed on a closed credit card account with Bank of America. I paid it in full before the due date. 
After I paid my card, the account disappeared from my online statement which I often check because I have an active mortgage with Bank of America. 
Yesterday I received an alert to my credit report that my credit card account with BOA was 90 days  past due! I was infuriated! 
I logged into my account and saw that the card was reinstated under active accounts and they were charging me interest and late fees for an amount of money which had been paid prior to the due date.Since the account was paid in full I have not been billed once for this account. 
I called the lender yesterday and they agreed it should not have been and they are removing it from their accounts. However, they said they could not remove the 90 day late notice from my credit report for 1 to 2 months! That is simply not acceptable! They are absolutely damaging me financially. 
I am looking at new houses to buy this spring and this false report on their error is going to hurt my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act XXXX XXXXXXXX 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 

as 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.
Product: Debt collection

Company has asked me for sources of income insisting on using student loan money to pay back loans. My understanding is that student loans are under federal jurisdiction and as per stipulations regarding students loans ; Money borrowed can not be used for purposes other than education. I do not believe it is right consciously knowing that it is not allowed that the company is suggesting using these tactics nor are the personnel qualified to make suggestions of that nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

My employer submitted a background check to XXXX XXXX   XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX, IN XXXX ). I received a copy of my results, which included a criminal file for a court case that would have taken place when I was XXXX years old in a county I have never held residence. On XX/XX/2018 I contacted First Advantage consumer disclosure center at XXXX to discuss the issue. They could not locate any information related to my name, ssn and stated that they could not help me. I have also attempted to search the criminal records for the county that is listed on the background check, but have not been  able to locate any criminal records based on the information provided on the background check.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft. Fraudulent accounts have been opened in my name as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that all accounts listed below be blocked and deleted from my credit report immediately. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After thinking about purchasing a home, I decided to check my credit report. I instantly noticed Inquiries on my credit that I never applied for. I sent in a dispute letter with FTC form and a copy of my personal documents such as bank statement, driver 's license, and Social security card to verify my identity. I sent these letters and documents to XXXX, Equifax, And XXXX. Furthermore I called each company with the inquiries which stated to me to contact the Credit Bureaus to have them deleted. No one responded to my letters or deleted the Inquiries off my Credit report. 
15 USC 1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent another letter to XXXX XXXX  to verify an account in my name does not belong to me. Five months later, I have still not received a response or any type of verification. Over a year ago I submitted a police report and an FTC report for identity theft stating this account does not belong to me. I have submitted numerous disputes to Experian letting them know the debt is the result of identity theft. And, although XXXX  and XXXX deleted the account Experian refuses to delete the account citing the company says the debt belongs to me. Again, I have never received any information verifying the account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The bank blocked my account telling me to wait for them to close the account and my money is in my account and they wont give me any money. I have at least {$1800.00} in my account Ive called them many time Ive went to the branch and nobody can tell me anything and I cant withdraw from this account
Product: Credit reporting, credit repair services, or other personal consumer reports

File Number : XXXX I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize.<br> XXXX XXXX via XXXX  XX/XX/XXXX<br> XXXX   XX/XX/XXXX<br> XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX<br> XX/XX/XXXX<br> XX/XX/XXXX<br> XXXX XXXX XXXX XX/XX/XXXX<br> XX/XX/XXXX<br> XX/XX/XXXX<br><br> XXXX XX/XX/XXXX<br><br> XXXX XXXX XX/XX/XXXX<br><br> XXXX   XXXX XX/XX/XXXX<br><br> XXXX XXXX   XX/XX/XXXX<br><br> XXXX XX/XX/XXXX<br><br> XXXX  XX/XX/XXXX<br><br> These inquires need to be deleted from my credit reports as soon as possible
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX5 U.S.C. 1681 Section 602 A : States I have a right to privacy.

15 U.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account with 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 adverse item of information, other than records 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 cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not made aware that I can opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries and need them removed immediately. They are affecting me adversely.
Product: Mortgage

We fell past due on our loan since XX/XX/XXXX due to health issues and loss of wages. I informed Selene Finance of my struggles and continued to apply for mortgage assistance ( Loan Modification ) Each time I would apply my Loan Modification request would get denied for various reasons causing me to fall more behind and required to submit all documents again. 

Most recent I applied for assistance on XX/XX/XXXX and received a letter from Selene stating I was under review for assistance and they would have an answer by XX/XX/XXXX Since being under review since XX/XX/XXXX Selene finance had a set Foreclosure date on my home scheduled to be auctioned off for XX/XX/XXXX @ XXXX. After many times advising Selene Finance to remove the foreclosure date due to being reviewed for assistance they refused. 

Selene Finance- is direct violation of Dual Tracking as they refused to stop the sale date of my home while under review for home retentions options. And after speaking to the Trustee handling the foreclosure they advised me the sale date was going to happen as they had no instructions to postpone. As of today I have not received a denial letter or 30 day window to appeal the denial as allowed. They foreclosed on my Home!!
Product: Debt collection

Creditor entered a abstract of judgment for {$11000.00} entered on XX/XX/XXXX and recorded on XX/XX/XXXX company is XXXX XXXX. Judgment was not ordered by court. This is for a debt that was trying to be collected back in XXXX. Was never made aware of the judgement and received no notification that the creditor was filing this judgement. This debt is over 10 years old. 

2nd one Creditor entered an abstract of judgment for {$2200.00} on XX/XX/XXXX and recorded on XX/XX/XXXX. XXXX ( XXXX XXXX   ) again not ordered by court and trying to collect on a debt that is over 10 year old.