23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX I got a notification that there was a purchase of {$610.00} charged on my credit card for XXXX I immediately went into my wallet to check if I had my credit card and it was missing. So I locked my card after knowing my card was lost and knowing someone charged my credit card. And I called capital one costumer service and I had them close the card down and send me out a new card. I then explained to them that this purchase was not made by me and I never even purchased from seatgeek. So then they begin the fraud process and they tell me to send them documents of a written letter explaining what happened with my name signed I did so. And then a few days later they said it wasnt enough information to refund the money back to my credit card. Now they told me that there was already documents sent to them and I have never sent any information or documents to them other than the handwritten letter written by me with my named signed. So I am guessing someone called or emailed or something and sent my bank documents which I am confused about because how does anyone know my information to even call. Anyway, I tried to dispute this transaction since today. I have been going back and forth with them and explaining and trying to send them proof that this transaction was not made by me. They even sent me in my document center in the bank app a screenshot of the ticket confirmation email and the email that purchased it was not my email and I do not recognize that email so I know its not my family members either. I kid you not Ive called about 20 times in the past few months ever since I found out about this transaction and they have not resolved my issue and its ridiculous because they say they will always help but they did not help me at all. Finally this month I called again and their final response was they have never been through this situation where someone else calls and send documents that isnt the owner of the credit card and they told me they cant issue a refund and then they tell me to file a police report but their not sure if that will help. This is frustrating because like k said before I did not authorize this transaction and they almost make it seem like I am lying or something. And its been XXXX and a half months trying to solve this issue but it has not been solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION XXXX  is reporting from XX/XX/17 through XX/XX/17 that I was up to 120 days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed XXXX Modification Office, my trail period was extended a few times. XXXX provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,
Product: Student loan

I have contacted navient regarding overpayments on private loans, the most recent onXX/XX/2021. An overpayment of {$0.00} was paid on an account, and adjustment made by navient, which increased the balance of the loan, rather than refunding the amount to myself or applying the overpayment to another loan. At the rate of about XXXX XXXX borrowers, these adjustments, applied to every borrower, means navient is making illegal adjustments to loans enabling them to keep MILLIONS in overpayment " adjustments ''. 

A previous overpayment ofXX/XX/2021 was similarly treated. 

I've reached out to navient several times and have two cases open asking repeatedly for documents addressing the treatment of overpayments, as well as capitalized interest, which has not been applied with clarity over the lifetime of my student loans, and receive little feedback or help.
Product: Debt collection

AD Astra Recovery is claiming I owe {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reported as delinquent when the account is setup on auto pay and no statement received shows that the account was past due or delinquent nor was a notice mailed or emailed the there was an issue with the auto pay or that any payment was returned,
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally request the removal of a charge related to my enrollment at XXXX XXXX XXXX in 2021, which is currently affecting my credit report. 

My name is XXXX XXXX. In XXXX of 2021, I signed up for classes with the understanding that support would be provided regarding scheduling and financing. Unfortunately, I never attended any classes, as I did not receive adequate communication from the school concerning these matters. I was not made aware of where to go for classes or how to proceed, which ultimately led to my decision not to attend. 

Given these circumstances, I kindly request that you reconsider the {$540.00} charge. I believe it is fair to remove it from my credit report, as the lack of guidance and support prevented me from fulfilling my commitment as a student. 

I appreciate your attention to this matter and hope we can resolve it amicably. Please let me know if you need any further information from my side. 

Thank you for your understanding.
Product: Credit reporting or other personal consumer reports

The accounts that are listed is not my account. I have no knowledge of these accounts.Code 15 USC 1681b states that the items have to be removed. Please remove the accounts off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I have been making impound payments for taxes and insurance since XXXX. My house insurance policy for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX should have been paid from the impound account but has not been paid as of today XXXX/XXXX/XXXX. 

In XXXX XXXX I received a call that my insurance premium payment due before XXXX/XXXX/XXXX for the following year XXXX. I called Arvest Central Mortgage several times in XXXX XXXX and again on XXXX/XXXX/XXXX. Each time, I was assured that the " check was in the mail. '' But I just called ( XXXX XXXX ) XXXX XXXX XXXX and payment had not been received. 

I had to make an emergency credit card for 30 % with the promise of a refund when payment was received from Arvest Central Mortgage. 

I have not received any notice from Arvest Central Mortgage regarding the status of my home insurance in XXXX XXXX or XXXX XXXX. How is this possible since home insurance is required under the loan documents? Something is very very wrong and I can not get any answers from Arvest Central Mortgage.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( TransUnion, Equifax or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law

15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told (
TransUnion, Equifax or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 My only name is : XXXX XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only Date of birth is : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I was mistakingly given two SSN and I have since resolved this issue with the Social Security Administration and they have told me to start using my correct SSN. They even provided a letter for all transfers and changes I will need. I want all my credit from Transunion on old SSN, transferred to new. 

I have contacted Transunion with ALL needed documentation and they answered with a letter that has nothing to do with what I said, or talk about any updates. Which means it was n't even looked at.. I want all my credit history with Transunion transferred to actual SSN asap. I have provided the letter I sent them and what they answered with.
Product: Debt collection

In our Defense we never received any legal document by law that we had a judgement on us. We don't know what this is about, and we need a investigation on this Corporation. 
Our Checking account was garnish without any legal documents about courts. There is no paper trail on this account. As we investigation this account we found out this company are doing malice on the Corporation of XXXX @ XXXX. MANDARICH LAW GROUP , LLP has taken out funds out of out account with out NO court papers. 
As a community Advocate I need legal documents of how a Corporation can do malice with out no notification of legal documents, and stealing {$2500.00} from checking account. and XXXX XXXX from Taxes. 
WE need documents please, Thank you for reading this. 
We have informed our Congregation about this Corporation, MANDARICH LAW GROUP , LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a credible response yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Vehicle loan or lease

My vehicle was repossessed by the current loan provider for less than two payments. Now it seems that I will not be able to make all the fees incurred. The company says they have tried to work with me but send a repo guy late at night in the cover of darkness. Also they sent me a letter today saying that they are going to sell my truck by the XX/XX/2021. This was XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA.
Product: Mortgage

2ND COMPLAINT, 1st complete rebutted by PHH and no follow through via CFPB XX/XX/XXXX requested a VA IRRRL ( Interest Rate Reduction Refinance Loan ) refinancing through PHH, was told I qualified for the IRRRL but needed thousands of dollars toward this process. XX/XX/XXXX submitted request for mortgage assistance and prior to falling behind with my mortgage payments, response given, causing mortgage payment amount to increase significantly. XX/XX/XXXX submitted second request for mortgage assistance. Proactive efforts exercised to avert being delinquent with mortgage payments, negatively impacting my credit and additional financial obligations as evidenced by late fees.To date request for additional modification not provided. 

Interesting PHH is very thorough about my legal ability to speak with them, but not so thorough in that PHH paid 2 homeowners insurance companies. 

-Both insurance companies were paid, XXXX and XXXX XXXX even though XXXX XXXX cancelled XX/XX/XXXX. 

XXXX XXXX XXXX began XX/XX/XXXX ; XXXX XXXX the information of this change. 

-I was told the reason for this increase is because the taxes increased, even though I have fixed taxes because I am a XXXX XXXX XXXX   XXXX. I provided all of this information to PHH in XXXX. 

-It took PHH close to a year to address this change. 

-Resulting in 2 separate payments for 2 different homeowners insurance companies and then reporting to me that the increase was because of taxes. 

Per a previous settlement agreement PHH continues to present the following deficiencies in servicing, foreclosure, loan modification, and other loss mitigation processes. 

Per the following : WHEREAS, on or about XX/XX/XXXX, the State Mortgage Regulators, as coordinated by the XXXX, commenced a multi-state mortgage loan servicing examination ( the Multi-State Examination ) of PHH covering the period of XX/XX/XXXX to XX/XX/XXXX, in order to determine PHHs compliance with applicable State and Federal laws and regulations, financial condition, and the adequacy of policies and procedures and the control and supervision of the licensed mortgage loan servicing operations. The Multi-State Examination was conducted by the State Mortgage Regulators from the states of Arizona, Georgia, Louisiana, Massachusetts, and New York. The Multi-State Examination of PHH was conducted pursuant to their respective statutory authorities, and in accordance with the protocols established by the XXXX/XXXX Nationwide Cooperative Protocol for Mortgage Supervision as well as the Nationwide Cooperative Agreement for Mortgage Supervision. A concurrent mortgage servicing examination of PHH was conducted by the Florida Office of Financial Regulation.
Product: Student loan

I reviewed a copy of my credit report and I noticed that my student loans are reporting as negative. To my knowledge I am on a deferment plan and they should not be showing negative on my credit report. I have called to try to get this issue resolved on my account but I am unable to get it resolved. They stated that the information will show negative for 7 years, this is seriously affecting my report. I have not got proper notice that my deferment was about to end they just added that my loans have been 90-120 days past due and I just do not see how I can get a negative status when my loans have been deferred. This negative status is seriously affecting my report. If the transfer happened of my loans I am trying to get this information corrected because this is my history on my report and they should still be in good standing. I have not the notice of a transfer.
Product: Credit card or prepaid card

On XX/XX/XXXX the fraud department called me from Capital One and informed me that they were closing my credit cards because of fraudulent activity. There was a payment submitted but it did not clear and at the same time my mom who once was an authorized user was attempting to use the card. I did not know but the young lady went on to speak with me very un constructively. I was a card owner since XXXX. I was not asking for them to accept fraud but I needed a better understanding as to why they were closing both cards due to a misunderstanding. Now my argument is not stay it is for clarity and non was ever given. My credit history is now gone with a company, I was with since XXXX. I only had 3 late payments from XXXX, and the other card was closed and it had nothing to do with the original call for the other card. 

I mailed a detailed letter to Capital One regarding my issue and experience and no one has called or responded back.
Product: Credit reporting or other personal consumer reports

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. if you don't look into these accounts, XXXX take legal action against you.
Product: Debt collection

I recently examined my credit report and noticed several accounts that were added without my permission.
Product: Credit reporting

I recently joined creditkarma.com to begin to rebuild my credit. 

Shortly thereafter, I discovered an account in Collections from XXXX XXXX XXXX for {$470.00} through XXXX XXXX XXXX, XXXX do not have an account with XXXX XXXX XXXX and have not since I allowed a cellular contract to expire in XXXX. 

To summarize, I had a XXXX year cellular phone contract with XXXX XXXX XXXX that began in XXXX and the contract expired in XXXX. I did not renew the contract opting to pay on a month-to-month basis. 

So, at that point, I did not have an outstanding balance with XXXX XXXX XXXX and began using " pay-as-you-go '' service until around XXXX when I began " rate shopping '' with other pre-paid service providers. 

I do not know from where these charges originated and have no records of any accounts with XXXX XXXX XXXX for any services of any kind since I changed to other pre-paid service providers a few years ago. 

As I have no accounts with XXXX XXXX XXXX, I have no documents to attach. 

I would appreciate any assistance you can provide regarding this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Re : Trans Union continued reporting inaccurately XXXX XXXX Mortgage Installation Accounts XXXX and XXXX either closed or derogatory. 
Notwithstanding Trans Union 's reply to the CFPB case number XXXX of XXXX, 2016, Trans Union has failed to update the records to reflect correctly that XXXX account still open, current and paid as agreed. 
This is my final attempt to kindly request that they correct the information prior last resort of taking legal actions, as in addition ; I have attempts to call Trans Union to resolve said, but was consistently transferred to a special " supervisors team '' who are rude and disconnect the calls or told that the system is under maintenance ''. This clearly leads me to conclude that my file has been flagged in retaliation of the complaints submitted to the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I took out a car loan with XXXX XXXX XXXX a few years back and got an XXXX XXXX was my dream car that I saved up for and put a down payment on it. I was told that the XXXX was a great car with no problems.i test drove and it was pretty much ok then problems start to occur with car..I took back to dealer within the first 2 weeks and complained the car was not up to par as dealer promised me..he then told me to pay for a warranty with I was under warranty because I didnt have car for 30 days..I paid for warranty as instructed al to come across more problems with car. I told dealer that the car wasnt what he explained it to be the car was a problematic car and a big hassle.so I asked can I turn car in for another car..the dealer said yes and I got a XXXX  from him witch I paid another down payment on and I later find out the dealer did not leave me in good standings on my account witch I was not at fault..Im a good customer that came to buy goods that wasnt good..whatever he did is affecting my Credit tremendously in a negative way..I disputed with credit company and I also disputed it with XXXX XXXX XXXX and nothing has happened so far..I was taken advantage of and sold a lemon and miked out of thousands of dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my report from Equifax, I found unauthorized inquiries. I do not have any accounts with them under collection nor for review. I have made numerous attempts to resolve this matter via Equifax automated service, however, I had no success by phone. The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of my credit report that does not reflect any accounts with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance XXXX {$0.00}