23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regard to my XXXX XXXX mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XX/XX/XXXX through early XX/XX/XXXX. XXXX XXXX, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on XXXX XXXX XXXX  side ( I wasn't able to make online payments XXXX. I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX  as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

Thank you,
Product: Money transfer, virtual currency, or money service

PNC bank just informed me that XXXX XXXX resent my {$200.00} to a closed account with PNC at XXXX XXXX on XX/XX/2021, after I just reported on XX/XX/2021 that I made a mistake. I no longer have an account with PNC and I updated my new bank account information on XX/XX/2021. 

I am not understanding why you all will not allow PNC to resend the {$200.00} back to my XXXX XXXX account per policy. This is highly unprofessional, errant, and inconveniencing. I earned this money direct deposited into my account on XX/XX/2021 via XXXX XXXX. It should not take several days to reimburse money from a closed account back to XXXX XXXX. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying for almost 4 years to make Experian remove multiple accounts dating back to XX/XX/XXXXthat were opened fraudulently by someone who stole my identity. I made my first disputes on these account on or about XX/XX/XXXX with EXPERIAN AND XXXX AS WELL AS XXXX. I MADE THEM AWARE THAT I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND XXXX  AND XXXX BOTH INVESTIGATED AND FOUND THE ACCOUNTS TO BE EXACTLY WHAT I SAID THEY WERE AND THAT WAS FRAUDULENT AND BOTH XXXX  AND XXXX REMOVED ALL ACCOUNTS FROM MY REPORTS ON OR ABOUT XX/XX/XXXX. I HAVE PLEADED WITH EXPERIAN TO REMOVE THE FRAUDULENT ACCOUNTS SINCE THEN AND THEY DID INFACT REMOVE ALL 6 FRAUDULENT ACCOUNTS ON OR ABOUT XX/XX/XXXX. SO I SUBMITTED AN APPLICATION WITH XXXX XXXX TO SEE ABOUT PRE-QUALIFICATION FOR A HOME PURCHASE ON XX/XX/XXXX AND TO MY SHOCK I RECIEVED A EMAIL FROM PRIME MORTAGE ON XX/XX/XXXX STATING THAT I COULD NOT BE PREQUALIFIED DO TO THE CREDIT REPORTS THEY HAD OBTAINED SHOWING THAT EXPERIAN HAD PLACED THE FRAUDULENT ACCOUNTS ALL 6 OF THE PREVIOUS ONES THEY HAD UPON INVESTIGATION REMOVED IN XX/XX/XXXX. SO I SUBMITTED PROOF TO XXXX XXXX IN XXXX TEXAS SHOWING THOSE ACCOUNTS HAD IN FACT BEEN REMOVED AND THEN I CONTACTED EXPERIAN AND ASKED THEM WHY THOSE ACCOUNTS WERE PLACED BACK ONTO MY CREDIT REPORT ON XX/XX/XXXX AND THEY REFUSE TO PROVIDE ME WITH THE ANSWER. I HAVE AGAIN PULLED XXXX, XXXX AND EXPERIAN IN DEPTH REPORTS AND XXXX  IS CLEAR WITH NO ACCOUNTS IN COLLECTIONS AND XXXX SHOWS I HAVE NO ACCOUNTS IN COLLECTIONS BUT EXPERIAN DOES IN FACT SHOW ALL 6 PREVIOUSLY REMOVED FRAUDULENT ACCOUNT WERE PLACED BACK ON MY REPORT AND IVE AGAIN ATTEMPTED TO MAKE CONTACT WITH EXPERIAN AND AGAIN DISPUTED THOSE SAME FRAUDULENT ACCOUNTS ONLY TO CONTINUE TO GO IGNORED. IM AT A TOTAL LOSE AS TO HOW THIS IS EVEN POOSIBLE OR LEGAL TO BE HAPPENING TO ME. IM A GRANDMOTHER STRUGGLING HARD TO TAKE BACK MY IDENTITY AND RESTORE MY CREDIT IN ORDER TO PURCHASE A HOME SO THE XXXX GRANDSONS IM RAISING WILL NEVER HAVE TO WORRY ABOUT NOT HAVING STABILITY IN THEIR LIVES WHEN IM NO LONGER ALIVE. IM TRYING TO INSURE THAT THESE BOYS WILL ALWAYS HAVE A HOME EVEN AFTER IM GONE. NOW TO BE DONE LIKE THIS IS SO WRONG AND ILLEGAL. ITS CAUSED ME MENTAL ANGUISH AND SEVERE STRESS WHERE IM NOT EVEN ABLE TO SLEEP SINCE I FOUND OUT ABOUT THIS ... .PLEASE HELP ME I DONT KNOW WHERE ELSE TO TURN TO GET THIS CORRECTED.
Product: Debt collection

they did not send me a notice of right to dispute, no information to verify debt no name of what they where trying to collect on did not say my full name only asked for first name, did not give me a speech of how it was an attempt to collect a debt ... ... after i told cease calling me cause could n't even address who they were fully asking for told me they will take the cease as a acknowledgement of the debt and a refusal to pay and hung up on me when never told me amount or original account number or what type of account they were trying to collect on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my personal information corrected.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are not mine they were made without my permission, consent, inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Product: Mortgage

We are currently trying to refinance with a lender ; however, per our Title pull, we have an existing outstanding mortgage on our home from XX/XX/XXXX from TCF Bank, ( which was a first mortgage from the purchase ) that was never recorded as being satisfied / paid off ( even though it we refinanced with another company in XXXX and our first mortgage was paid off via that refinance ). We faxed a loan satisfaction / release request on XX/XX/XXXX to TCF Bank, and since then this has not been satisfied. We have called TCF Bank every week since then ( sometimes several times a week ) to find out why this document hasn't been recorded yet with our County,  and they give a different story every time ( it's still processing, it's delayed, it's been satisfied / processed, it was sent to the County, it wasn't sent to the county yet, etc. ). Also, we can never speak with anyone but customer service, as they will never connect us to anyone in the loan / lien department there. We have been given the runaround for over 2 months now, and since then we have not only lost our loan rate lock ( which we paid over {$2500.00} for ), but also months of lost savings from not being able to refinance ( over {$500.00} a month for several months now ). TCF Bank refuses to send us the document directly so that we can bring it to the County for recording ourselves, and will not give us a straight answer as to why this has never been recorded with our county.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres over 20 credit inquiries listed on my ChexSystems consumer report. All of the credit inquiries are fraudulent and unauthorized. The credit inquiries are not my credit inquiries. I have not applied for any checking account. I shouldnt have any credit inquiries on my Chex Systems Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XXXX
Product: Mortgage

I am the debtor on mortgage purchased and serviced by Nationstar Mortgage XXXX Mr. Cooper. The company has been sending an enormous amount of advertising communications attempting to sell me a home equity loan. These communications have included multiple spam emails, telephone calls, and postal letters. I requested the cessation of these advertising communications. The company responded today implying that I had sent a cease-and-desist demand and indicating that they would send only legally-required communications, contrary to the substance of my request to desist from advertising communications specifically. 

I have repeatedly informed the company that I am not interested in a home equity loan, and that even if I were, I would refuse to borrow from them because of the overwhelming amount of aggressive advertisements they had sent. 

I believe that Mr. Cooper has deliberately misinterpreted my request in retaliation for my increasing insistence that they stop attempting to advertise to me to sell a new loan. I have responded to them again by email indicating that my request is specifically to stop advertising communications, but it is clear that I am facing an adversary who believe they are entitled to send unlimited amounts of unwanted ( and explicitly refused ) spam to me merely because they purchased my mortgage from a different bank.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX my bankruptcy was discharged. XXXX XXXX, The mortage company first told me i had to reaffirm the debt. I called my lawyer and he said in California, you can not reaffirm a mortgage. I continuously paid my mortgage but they refuse to report it on my credit report. XXXX XXXX, I talked to XXXX Bankruptcy Department and they stated all I had to do was send credit bureau my payment history and they will put it back on. I Sent the information in and the credit bureau and they said XXXX has to report it to them again. I have attached my payment history to show that I have been continuously making my payment. 
XXXXXXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  Phone Number : ( XXXX ) XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

information is showing on my credit report that is false and is hindering me from being able to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Conn 's, XXXX and XXXX concerning incorrect payment history reporting by Conn 's to my credit bureau and it is still not correct. I have been dealing with this situation since XX/XX/2020, and my family and I are missing out of buying a house and qualifying for certain programs because of the negative impact on my credit scores. I have documentation to prove my payment history, but it seems as if the information is being either kept from Conn 's or isn't even being considered when it comes to the correction of the items and the dispute process. Not to mention the carelessness of Conn 's and their attempts to sweep their mistakes under the rug. I am fed up and I am considering legal action.
Product: Student loan

I have to a non-traditional credit lender which partners with CodeUp, a coding bootcamp provider here in XXXX XXXX. I filled the application for the first time on XXXX XXXX and received an answer on XXXX XXXX that I did not qualify. They encouraged me to use a co-applicant to increase my chances, which I did by reapplying with my wife. And it did not even take 24 hours and I receive the same standard message of rejection on XXXX XXXX. 
Their website clearly specifies that they do not do hard hits on credit reports so we should not see any loss of points or negative consequences on our credit score. 
However, since the last application, they keep running our credit reports. The last XXXX was this XXXX XXXX, the XXXX time. I have not applied for credit since that second application, yet my credit report is pulled again and again. The same for my wife. 
I attempted to contact them to discuss this matter through the number provided on their website, but it keeps sending me to an automated message telling me the hours of operation and to call back. I have not heard from them despite my many attempts.
Product: Bank account or service

The Honorable to FDIC Only! 

I write in worst extra file charging complaint against Bank of America that BOA called me today, we discussed then at last that 's not resolved problem. I told them it was not resolved problems, so they did not tell me about paid rent check with sad icons forward to U.S. XXXX and Speaker XXXX XXXX. In addition, Bank of America did not tell me about credit card issues information. I told them that I did not receive a refund today and checked my BOA on tablet, there is still nothing. 

Still that I do not happy with Bank of America since that I used Bank of America account. In addition, I do not allow female worker involved in this bank issues and me, so use a male accommodation works with me through these/those bank issues.
Product: Credit reporting or other personal consumer reports

They told me that due to errors with retailer and me requesting and sending FTC COMPLAINTS they decided to minimize my credit in retaliation for protecting my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

hello XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Wyoming XXXX XXXX I took a glance at my credit report and notice this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX please investigate this account and and delete it form my report after your investigation.
Product: Checking or savings account

Bank of America closed my account and said I would receive my money in the mail I never received it i have called XXXX XXXX and they keep transfer me saying call back later sometimes hours after telling different people on customer service tried to make appointments to go in they call and cancel and tell me I can't have a XXXX XXXX a person there to call some number that either makes me leave a message or transfer me a few or more times and my address has changed my old address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX And my new address different so please get ahold of me the amount is {$XXXX} The date was XX/XX/year> and all the funds was available on XX/XX/year> and they closed me account and they found out it wasn't fraud the should have sent me the check because that's what they said after the check didn't come and I called XXXX  months later they said i would get afterba few months i still waiting please make them pay me my money
Product: Mortgage

Flagstar mortgage has my XX/XX/2023 payment listed on my credit report is 30 to 59 days late. Ive contacted them multiple times Ive sent them multiple factors I filled out their credit dispute form. I have a copy of the letter showing that I was approved for the HAF housing assistance program through the government. The government even gave them payments Yet they still reported negatively to my credit. This government program has a stipulation in there that mortgage companies can not report negatively to the credit if a person is approved for this program because sometimes HAF takes a while to actually distribute the payment. They did get the payment, but they reported to my credit and they are refusing to remove that late payment off of there. It says the servicer must waive all late charges, fees and penalties and may not report it to the credit report. Im not working right now and theyre negative report lowered my credit score which is causing credit companies to reduce my credit limit its messed up.
Product: Credit reporting or other personal consumer reports

i attempted to make a purchase at Big Lots store and credit card for the store would not process the purchase. Tried twice by inserting my social security number and the system indicated DENIED. The store clerk recommended contacting the bank ( Comenity Capital Bank ). I contacted the bank and they requested that I reapply for the credit card. I decided not to and applied for a credit card at my XXXX XXXX. That is when I found out I had a {$6000.00} overdue bill delinquent, which affected my credit score ( XXXX  ). The bank has reduced our balance to XXXX  balance but our Credit Score has not been adjusted as far as I know. It appears a XXXX  has been committed and although we may be able to resolve the issue as far as our credit score but someone should be charged with the crime and make restitution to us and the XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Credit Acceptance ; XXXX XXXX XXXX XXXX, TX XXXX I called and asked why Flagship listed under comments " Affected by Natural Disaster. '' I explained we were not affected by natural disasters. The agent then told me that we must have been because we filed for extensions. I said we were not, and that is not accurate. She explained we must have been hit by a hurricane or tornado, which is why the comment was listed. I said we lived in XXXX, there were no such events. Then she changed the reason to Covid. I said do you have proof of that? I was under the impression that Covid-related issues couldn't be held against you from XXXX, which is irrelevant because Covid is not a natural disaster. She said it must be Covid, and they did not have a code for Covid, so it was listed as a natural disaster, but she couldn't view the notes. I asked her to remove the comment she said no. The bottom line we were not affected by a natural disaster, and Flagship can not account for an actual reason for this comment but will not remove it. A conversation was had on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Experian has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

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. States that a consumer reporting agency can not furnish a account without MY written consent.

15 U.S.C 1681A section 2. States, The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

These items do NOT belong on my credit report : -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Employment XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX -Address XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXXAccount Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR= XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF MY CREDIT REPORTS HAVE NOT BEEN UPDATED AS OF XX/XX/XXXX MY CREDIT SCORE IS REFLECTED BY NOT REMOVING PAST ACCOUNTS I HAVE PAID DOWN DEPT AND IT IS NOT REMOVED FROM MY CREDIT REPORTS I AM TRYING TO GET OFF OF A ADJUSTABLE MORTGAGE BUT KEEP GETTING TURNED DOWN BECAUSE OF A LOW CREDIT SCORE. 

IN XXXX I SUBMITTED A COMPLAINT TO THE CFPD AND IT WAS INVOLVING ANOTHER MEMBER OF MY FAMILY AND THE THE TRACES OF THAT COMPLAINT HAVE BEEN CLOSED BUT TRACES OF THOSE ACCOUNTS STILL ARE ON MY CREDIT REPORTS.
Product: Debt collection

I was double charged for payment on an acct with Conns furniture in XXXX 2015 on an account I had established autopay on back since XXXX 2015. I called them and advised they took 2 payments ttl XXXX one on XX/XX/XXXX and XX/XX/XXXX from my checking acct and caused overdrafts to my acct when my payment is XXXX. The initial call garnered an apology and a refund for one of the XXXX payments. Since then I have been called a ttl of 6 times since XXXX XXXX after I repeatedly told the collector calling me I do not have any past due payments and my account has been set up on auto pay since early this year. I have even made 5 calls myself to them to clarify the issue with no resolve. being promised on 3 occasions I would not be called again only to be called multiple times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Closed A XXXX account due to fraudulent activity In XX/XX/2023, but the account was never closed on that date and the company waited two or three additional months when it was over in debt to do it. Im not responsible for late payments on the account because it should have been closed before then because my information was stolen, this was a long going investigation that didnt help at all, no answers or anything. I want any negative remarks from the company removed because none of it can be verified, and there was neglect when I asked to close the account twice, XXXX agreed twice on two different occasions but the account stayed open for two whole extra months and hurt my credit score tremendously.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have 3 inquiries in my credit report under XXXX XXXX from XX/XX/XXXX, Informative Research miscellaneous from XX/XX/XXXX, Syncb/Tjx Co Dual Card XXXX XX/XX/XXXX. I do not recognize this inquiry because I am have just turned XXXX XXXX XXXX that time and does not know anything about credits. Please dispute/remove this in my credit report.