23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Sunwest Mortgage has maliciously reported my mortgage account incorrectly. This act was premeditated and vindictive. Because I am enrolled with all XXXX major credit bureaus, I have the date ( proof ) archived. When I disputed the data, Sunwest refused to correct even after I disputed numerous times with them directly and the XXXX reporting credit bureaus. I got the VA involved and the issue first issue was mitigated the next day. XXXX is directly responsible for the fraudulent reporting of a federally insured VA mortgage which is a felony. She has done this malicious and fraudulent act XXXX separate times and she honestly thinks she is not only above the law but immune to prosecution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting this company along with the credit reporting agencies for allowing these fraudulent accounts to stay on my reports, even though Ive given them ample proof that I not only DONT OWN THESE ACCOUNTS..But ALSO, Ive never even heard of these people EVER! The company Comenity Bank keeps saying that the information is accurate, but hasnt provided ONE ounce of proof other than telling the reporting agencies that the information is being reported accuratelyWHICH IS COMPLETELY FALSE BECAUSE I NEVER OPENED ANY ACCOUNT WITH COMENITY BANK OR ITS AFFILIATES, and its a shame that the credit reporting agencies are allowing this, CONSIDERING I HAVE FRAUD ALERTS ON ALL THE REPORTING AGENCIES, along with NUMEROUS FRAUDULENT ACCOUNTS ALREADY BEING REMOVED FROM MY REPORTS BECAUSE OF THE SAME THING. YET ALL THREE AGENCIES KEEP ALLOWING THIS COMPANY AND OTHERS TO SAY THE INFORMATION IF ACCURATE, JUST BECAUSE THEY HAVE A FEW PIECES OF INFORMATION. This is utterly ridiculous and Im tired of dealing with these companies not doing anything but confirming fraudulent information. I WANT THESE ACCOUNTS FOR THE FOLLOWING DELETED FROM ALL MY CRRDIT REPORTS ( XXXX, XXXX, XXXX ) : Comenity Bank - Victorias Secret Comenity Bank - Goodys I HAVE NEVER HAD ANY ACCOUNTS WITH THESE PEOPLE AND THEY ARE DRAGGING THEIR FEET BECAUSE THEY DONT WANT TO ADMIT THESE ACCOUNTS WERE OPENED FRAUDULENTLY..I have provided Identity Theft Affidavits, as well as proof of location and they STILL KEEP TRYING TO SAY I OWN THESE FRAUDULENT ACCOUNTS.LOOK AT THE PLACES THEY ARE FOR..I AM A GROWN MALE, WHY WOULD I SHOP AT EITHER OF THESE PLACES? AND I LOOKED UP GOODYS.THERE ISNT EVEN ONE ANYWHERE NEAR ME AND IVE NEVER HEARD OF THEM.DELETE THE ACCOUNTS OR FACE LEGAL REPERCUSSIONS..
Product: Debt collection

I received a notice in the mail dated XX/XX/2020 from Wakefield and Associates, Inc, stating that I had a balance of {$1200.00} owed to XXXX XXXX XXXX XXXX. I contacted this company and they verified, I do not have any balance with them. I never owed any money to this establishment to begin with, nor was I ever contacted by XXXX XXXX XXXX XXXX! I did call Wakefield and Associates to speak about this notice, when asked to provide their license number, the man who called himself, " XXXX '' did not give me this information. When asked to confirm the name of the business and address, he was unable to fully give me the address of this business as stated on the letter I received in the mail. He then asked for my date of birth and other sensitive information such as my last 4 digits of my social security number! Definitely did not disclose that information with him over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly notified XXXX the information from PORTFOLIO RECOVERY ASSOCIATES is inaccurate. They have yet to show when the last payment on the account was made and keep changing the date to keep it on the report. I have explained I was imprisoned from XXXX until XXXX. The first time they moved the date was early XXXX when they changed the drop off date from XX/XX/XXXX to XX/XX/XXXX. In XXXX when it failed to drop off I filed another dispute and found out the date had been changed to XX/XX/XXXX. THe other 2 companies have already removed the fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to correct some of the erroneous items in my credit file ; however there are still many items that need to be corrected and updated. 

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: Credit card

Discover card website implies two things. Under question and answer section on their website. 

1. If you pay bill in full there no interest 2. There up to 25 day grace period on new charges. 


A. For XXXX to XXXX billing ( due XX/XX/XXXX ), I was charged interest even though bill was paid in full by cycle date. XX/XX/XXXX in amount XXXX. XXXX to XXXX in amount of XXXX I was told reason is if you did not pay full bill the previous month. So it should read no charges if you pay bill by cycle date, AND you did not have any unpaid balance previous month. This is very confusing. 


B. I was lead to believe there grace period. However, current charges were added with previous unpaid balance, to calculate daily average, causing me pay much higher interest. 
THis was done XXXX to XXXX ( XXXX in new purchases ) ( XXXX to XXXX ( XXXX new purchases ) XXXX to XXXX statements of 2024 ( XXXX in new purchases ). 



Q and A is very misleading. NO where does it state there is no grace period unless you pay balance in full, and previous monthly balance was paid off!!!!!!!!!!!!!!!!!!!!. 


I realize these rules are in agreement I signed, but there website is misleading so they can profit more. I would ask for a refund of XXXX and XXXX. I eat the rest. Pay off the credit card company in full, and realize the bull XXXX in future when making future choices. 
\ If
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} **Inquiries** I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 15 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus to no avail they will not help me I have tried reaching out to the furnishers with the contact information on my credit report and they are not getting back to me I need help to remove these from my credit report since they do not belong to me in any way!!! 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting or other personal consumer reports

I am following through to seek your assistance regarding certain inquiries on my credit reports that I believe should be removed. These inquiries are affecting my credit profile, and I am requesting your help to address this issue. In my previous complaint dated XX/XX/XXXX, I mentioned the following inquiries on my credit reports : XXXX : XXXX XXXX XXXX XXXX XX/XX/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

I have submitted information on several occasions. Once again, I am submitting proof of address.
Product: Mortgage

In XXXX of 2015, Bank of America wrote me to state they paid a XXXX insurance policy To XXXX with my escrow money and I might not have enough escrow funds. I do n't have XXXX XXXX. I have used XXXX XXXX for the 10 years since I owned this house. I called, they admitted paid someone else 's policy with my money. BUT they will not pay me back the money until XXXX repays them AND it has my name on the check. Why would XXXX have my name!! I call often, can never speak to a supervisor. I am told each time 7 to 10 days I will have the money back. It has been over 7 months with no resolution. NOW they have just increased my monthly mortgage payment by {$220.00} to cover their mistake! Bank of America has taken no responsibility for their error. They readily admit it is their error. HELP. 
They admit the paid the insurance for some other home with the same street address in some other city and state. When you place a street address in XXXX maps you can find TONS of addresses in different cities and different states with the same street address.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit card

The XXXX XXXX XXXX XXXX  in XXXX, IL charged me for XXXX or XXXX nights when I only stayed XXXX night ( Monday night ). I provided proof that I stayed the rest of the week at the XXXX XXXX XXXX  for a variety of reasons ; the main reason was the rude and crude way I was treated by the night clerk when I checked in, and the manager the next morning when I tried to check out...

They claim I booked through a 3rd party ( XXXX ) which was NOT true. I booked through XXXX XXXX XXXX web site... 
I have disputed charge XXXX in less than the 60 day limit but Capital One refuses to dismiss the charge for XXXX or XXXX nights!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to reps at the 3 major credit reporting agencies regarding my consumer file and the access I want them to have. Each one has told me they will NOT be removing the negative items I requested. I have sent notices via certified mail DEMANDING the changes be updated to no avail. Within the " fine print '' of all of these companies they state they will not furnish personal information without the consumers consent yet, they continue to do so. Per 15 USC 1681e ( b ) only I, the consumer, can verify what information should be on my consumer report. 

In light of the recent and ongoing lawsuits with these companies I DEMAND all requests be adhered to quickly and without continuous verbal assault from them. This is causing XXXX  anguish and XXXX  due to how I am being perceived due to these negative items.
Product: Credit reporting or other personal consumer reports

Since I make a complaint against this company yesterday today they decide to put me like Im over the limit when this account is already close since XX/XX/2023. Also they lie again about it just to damage my credit again You guys should fine this company and make audit about every account they own
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2016, we were finally approved for a VA Hamp modification after the attorney sent XXXX XXXX  several letters due to them denying us. They placed us on a temporary modification for 90 days as it was required. The month of XXXX, XXXX and XXXX were all paid on time, therefore we were given a VA Hamp permanent modification. We paid all of our payments on time yet XXXX XXXX  continues to report I was late all the way to XX/XX/2016 which is incorrect. If I was late like they claim why did they approve me for the Permanent Modification? There was {$16000.00} in arrears that were placed as a balloon payment in the modification so they were not suppose to be reporting anything late. Attorney XXXX XXXX, XXXX. told me I could file suit against them but we didn't have the money at the time to do so. I applied for credit and was told my credit score was low and the reason why is because of the mortgage late, even though they are almost 7 years old. I have a spreadsheet I downloaded from their website showing all of the on time payments. Also have a letter XXXX XXXX  had sent our attorney at the time stating all payments being current. Payments had a grace period in which we kept it within that grace period.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : Account Name : XXXX XXXX Account Number : XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX Account XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife obtained a Capital one XXXX  credit card. After using it for about 3 months, she wanted my to use the card when shopping. She then ordered a card with my name.The account is under her name and ss number. SHE PAYS ALL OF OUR BILLS WITH THIS CARD. I have never signed and agreement with Capital one. I have called capital one and spoke with a supervisor, and asked why this card is on my credit report? I have gotten two different answers. First I was told that I agreed to that when I got the card a total lie. Next I was told that it was the credit reporting agencies, another lie. I do not want that card on my credit report!
Product: Debt collection

Before the collection agency reached out to me, I never received any bill or the alleged purchase of any product or services from XXXX XXXX XXXX XXXX. I've XXXX XXXX XXXX account for my internet services and XXXX XXXX for my Cellphone... for past 8 or more years... and both are in excellent status. 
Clearly, someone used my SS and other PII information and made this fraudulent charge on my name and social. 
I requested Sequium Asset Solutions , LLC - the collection agency to share the details with me so I can investigate directly with the XXXX XXXX XXXX and figure out who, what, when, why of this fraudulent charge. But they are not willing to share any details with me. I called them a few times, sent them emails... submitted my request through their website. 
I would not mind paying this amount only if I have received any product or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove an Public record that has been incorrectly reporting on my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation of not reporting 100 % accurate. I am not disputing that I file the bankruptcy. 

Currently listed on all 3 credit bureaus are different court names and different case number/Docket number. I ask you how can 3 of our Bureaus report 3 different record. 

I have went ahead and contacted Lexis Nexis to remove this inaccurate Public record. I already contacted the courts and have provided me the letter that they do not release any information to anyone. 

I have also attach a copy of there bankruptcy report and my Bankruptcy report showing different and incomplete information.
Product: Checking or savings account

My account is freeze but they dont tell me anything, I want to close this account and get my funs
Product: Debt collection

Synchrony bank is reporting an account as charged off and verified the account as accurate on a recent dispute with all 3 CRA 's. They have FAILED to provide me with the following : PROOF THE ACCOUNT IS MINE MY SIGNATURE ON ORIGINAL CREDIT CARD APPLICATION ORIGINAL TERMS OF THE ACCOUNTS SYNCB/XXXX XXXX SYNCBXXXX XXXX  I can not get a live person on the phone with the company yet they verify fraudulent information. See attached results from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I want to freeze my credit with Equifax. I tried to do this over the phone, as I understand that this is the safest route. I received a message saying they ca n't process my request at this time. When I tried to freeze my credit online, I received a similar message. I do not want to send personal information through the mail to the Equifax address for credit freezes, which is this : Equifax Security Freeze XXXX  XXXX XXXX XXXX, Georgia XXXX That just seems like an open invitation to identity thieves
Product: Money transfer, virtual currency, or money service

I attempted to send {$6000.00} transfer from my bank account to another bank account on XX/XX/XXXX. I was told by them it would be available for pickup by the XXXX. They received the money from my bank on the XXXX then said they sent it to the other bank on the XXXX. Then they blamed the other bank for not processing the funds. I called repeatedly to fix. Then they put it on hold and said the recipients info was wrong. Then I confirmed with them it was correct. Still no delivery. They they asked me to select another recipient. I did that. Still on delivery. After numerous phone calls and chats. I finally just cancelled the transaction. Horrible service.
Product: Mortgage

I received an odd e-mail from Nationstar Mortgage on XXXX claiming that my mortgage had been transferred. This is the first notice that I have received about this issue. I refinanced with XXXX two years ago and my loan is now with XXXX, they have proved to be a disorganized mess. I have not received any information from XXXX about the transfer and I have not received the package that Nationstar claims to have mailed to me. I responded to the e-mail the same day stating that I would not change my monthly payments until notified by XXXX. Nationstar has not responded. I had a similar issue the first year of my mortgage ( XXXX ) with XXXX different lenders claiming to own my mortgage. I had not received anything from XXXX. Unlike XXXX, they answer their customer calls very quickly and they verified by phone and e-mail that the information was a fraud attempt to get customers to redirect their payments. I have been on the phone trying to reach XXXX joke of a customer service since receiving the e-mail and hung up several times after being on hold for 20+ minutes without anyone picking up the call. I have already processed the payment for the XXXX payment to XXXX.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have need the hard inquires deleted. I did not authorize those companies to run my credit, thats fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to XXXX ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. XXXX also notified me my application was approved, would be dismissed and removed from my credit report.
Product: Checking or savings account

DBA of transaction says dr due to ATM/DEP error XX/XX/2017 amount {$20000.00} was adjusted out of my account.
Product: Debt collection

I checked my credit and saw two accounts from PHOENIX FINANCIAL SERV for XXXX XXXX XXXX  XXXX XXXX in the amount of {$750.00} and for XXXX XXXX XXXX XXXX PA in the amount of {$740.00}. 

I had no prior knowledge of these debts and was never contacted by the collections company or the medical facility. 

I made both facilities aware that I was homeless and unemployed at the time of service and needed financial assistance. 

These debts reported are a violation of my HIPAA rights as I did not receive any care from Phoenix Financial Services. The moment they accessed my records without a consent was the moment theyre violated my rights. 

I also checked with XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and not locate a business Registration or status of activity for the company based in IN to do any business here. Therefore they are operating illegally.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found some billing errors, such as late payments that are not in line with my usual history. Kindly correct these discrepancies.