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

XX/XX/XXXX I received an alert that my loan with Home Point Financial is being reported 30 days past due in the amount of {$780.00}. Every time I log in to their website, I have received 0 notice of any past due amount, and have received no communications in writing or by phone of a past due amount. 

I attempted to log in to their website, but am locked out. I attempted to call them to get it unlocked, but they're only open M-F XXXX-XXXX. 

I attempted to call them this morning, and they're having " system issues '' yet again. I can't access basic information about my account in the IVR, because any time it tries to pull up my account it locates 2 loans and then gives me an error message and hangs up on me. 

They've had " system issues '' and " website difficulties '' since they did an " upgrade '' to their services. This has resulted in a communication to accountholders with them from their company 's president, yet it's still not fixed. Their XXXX official response team just says " we're going through system changes/updates '' to any problem reported. 

There's virtually no way to contact this company if you have a servicing issue, and they've now violated FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that appear on my credit report. These inquiries were not initiated by me and are the result of identity theft.

I have not applied for credit with these companies, and I believe these inquiries were made fraudulently using my personal information without my consent.

I request that these unauthorized inquiries be removed from my credit report immediately to prevent further damage to my credit score and personal finances.
Product: Credit card

Comenity Bank Ann Taylor Mastercard. I was not getting the paper statements regularly probably were lost in the mail and the direct payment from my personal Bank to Comenity was not working properly since my personal bank would send the payment check to my home address instead of Comenity Bank. Since Comenity Bank had made some changes without informing us about it. I made a purchase was made on XX/XX/2024 for {$35.00} and was charged a late fee of {$30.00} making total amount to {$67.00} including interest charge. I was sent this statement of {$67.00} in XXXX again the payment failed to deliver. In XXXX I was sent a statement of {$110.00} which included {$40.00} late fee again along with additional interest charge. Despite multiple phone calls and talking to different customer agents few with rude demeanor. I was given no concession on double late fee and I ended up paying {$110.00} for a purchase of mere {$35.00}. I confirmed that they received this payment over the phone with this customer service department. After that I did not purchase anything. In XXXX I received a statment with again a late fee of {$40.00} which is levied due to nonpayment of mere XXXX cents for an insurance policy ( XXXX XXXX ) I was enrolled into without my knowledge. When I called Comenity Bank I was informed to call XXXX XXXX since they said the late fee was charged by XXXX XXXX. Upon calling the insurance company they said that they had nothing to do with this late fee and it was levied by Comenity Bank and not by them. Since then I have called Comenity Bank several times to inform that I can pay XXXX cents but they are unwilling to remove this third late fee of {$40.00} for nonpayment of XXXX cents. Comenity Banks customer reps could not event justify as to why a late fee is applied despite there being no purchase. Total fee charged charged to me in 2024 is {$110.00} despite making almost no purchsaes. I am fed up with these people and sending them a final check of {$41.00} and closing the account. I It has been a nightmare dealing with Comenity Bank and caused a lot of emotional stress. I will not purchase any thing from Ann Talyor XXXX XXXX ever again.
Product: Credit reporting or other personal consumer reports

I reviewed the accounts on my credit report and noticed that they are not mine and need to be removed
Product: Vehicle loan or lease

Purchased car on XX/XX/XXXX through carvana waiting have been waiting in license plates and registration stickers, have called multiple times have been hung up on, have been placed in hold for 30 plus minutes only to be told to call XXXX, have called XXXX they have informed me that normally I should have received my plates at this time, on their website it says my paper was completed, was sent an email staying i would receive plates within 10 days after the fact.
Product: Credit reporting or other personal consumer reports

XXXX 1 ) Since XXXX of XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX and released in XXXX of XXXX. 2 ) On XX/XX/XXXX, an XXXX XXXX account ending XXXX was open while XXXX XXXX was in XX/XX/XXXX. This is Identity theft which XXXX XXXX demanded this account to be deleted on XX/XX/XXXX. 3 ) On XX/XX/XXXX, an XX/XX/XXXXby XXXX XXXX was opened one month after https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX Page 1 of 5 Complaint Detail XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX was released from a XXXXXX/XX/XXXX XXXX XXXX CHALLENGES and demand this account to be deleted because its not possible to get approved without any credit history after 17 years and its evident this is part of the identity theft claim that was filed on XX/XX/XXXX. 4 ) On XX/XX/XXXX, a XXXX XXXX charge card was opened in the same year XXXX XXXX was released from XX/XX/XXXX, and this is evident that identity theft occurred because how would an individual after serving 17 years establish enough credit in 3 months to be approved for a {$15000.00} credit limit. This account was also challenged for identity theft, and we demand this account to be deleted. 5 ) On XX/XX/XXXX, two Navy Federal Credit Union accounts were reported to be opened under Identity theft in which account ending XXXX was deleted and account ending XXXX was not deleted and this account was opened on XX/XX/XXXX, and account XXXX was opened in XXXX. This account was part of the identity theft data breach, and we demand that this account be deleted. 6 ) On XX/XX/XXXX, a XXXX XXXX XXXX account was opened and was unauthorized by XXXX XXXX and this is another XXXX XXXX account which is inaccurate, and we demand that this account be deleted. 

Company 's Response We have received your request. However, we are unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently You have not actively used your credit in the last ten years, or You have not lived in the United States or have not been issued a United States Social Security number If you have any additional questions, you may call XXXX ( XXXX ) or you may visit equifax.com/personal/credit-report-services.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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. XXXX XXXX Balanced {$1300.00} XXXX XXXX Balanced {$720.00} XXXX XXXX  XXXX Balanced : {$4300.00} XXXX XXXX XXXX Balanced {$0.00}
Product: Debt collection

Self XXXX XXXX company or whatever it is allowed somebody to take a loan out in my name and social security number without trying to speak to me over the phone or getting correct verifiable information. Its fact, because I wouldnt have applied or registered for this program. My credit was horrible but not bad enough to pay into an account I cant take from!!
Product: Mortgage

I was under contract to purchase a new home with Supreme Lending. After the initial information requirements were met, I was told that everything was going great for the next 5 weeks and nothing was needed from me. Two days before my closing date I was given a huge list of " pre-approval '' items that were required in order to close and then told I was not going to close in two days and that we were given that information several times ... this was not the case, both myself, my realtor and the sellers had no idea we weren't closing in two days! There were multiple problems for the next 11 days until we finally closed. The biggest problem is that I didn't even get my final disclosures until Saturday evening when I was closing Monday morning ... those disclosures didn't even have the accurate amount of my closing costs of which I didn't receive until XXXX XXXX the morning of closing! This is a TRID violation! 

The amount of my closing costs increased at the last minute and the lender credits I was promised were nowhere to be found ... when I asked why my credits went from over {$2800.00} to {$460.00} ( which is why we increased my interest rate ) they said it was due to a lock extension fee and instead of charging me for it, they paid it with my lender credits ( essentially the same thing ). When I discovered what a lock extension fee meant I told them they were the reason my closing was delayed and they owe me this money, but I have yet to receive any type of response from anyone in their office. Had they done their job in the 6 weeks we were waiting to close rather than 2 days prior to closing, none of this would have happened! 

In the 11 days my closing was delayed, I was told I wouldn't close on this loan if I didn't get transcripts from the IRS in 24 hours ... this was impossible and I should have been told this was needed from day one, they told me I had to lower my home owners insurance premiums or I wouldn't close at all because they pre-approved me for too much, I was spoken to with incredible disrespect, ignored and not communicated with, given zero notice when they needed something at a specific time and then expected to leave work in order to fill those needs from my home computer and scanner, etc ... I have all email correspondence proving how awful this experience was and all the awful " used car salesmen '' treatment I was given. I called the owner of this lending office 3 times and left 3 messages ... my call was never returned. 

The owner of this lending company even admitted to my realtor that they dropped the ball on this loan, but I'm still being charged for their mistakes ... I want my money back!
Product: Mortgage

I have a 2nd mortgage with Specialized Loan Servicing and typically pay on the first Friday of the month. I noticed they are posting the payments on the following Monday which is causing extra interest to be charged on the loan. I called to check with them on this practice and they told me the only way I can get a payment to post on a specific date is to use their auto pay. I also checked my primary mortgage to see what date they are posting the payments because I use the same payment method and XXXX is posting the payments with the correct date.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for verification thank you
Product: Student loan

I borrowed a total of XXXX in student loans, Navient consolidated my student loans and now I owe over XXXX to them. I did an income based repayment and ended up paying a total of {$7.00} off my balance.
Product: Checking or savings account

XX/XX/2021 I did a XXXX transfer of {$350.00} through Chase and it end up being a scam. I contacted Chase and I opened a claim which was denied a few days after. I was asking for my money back due to the scam and the transfer being through Chase but still got denied.
Product: Debt collection

The National Recovery Agency has placed a balance of {$460.00} on my credit reports. They never sent me written notification of the debt, allowing me to dispute. They claim to have mailed it but I have mail forwarding from my old address and never received it, Furthermore, the bill is for the XXXX XXXX. XXXX XXXX bills me every month. They never notified me in writing that this bill was due despite them having no comprehensible reason to not know my address as I TRANSFERRED service to my new address. The first time I actually spoke with National Recovery Agency was just last week and it is already on my credit report. They have not even validated the debt before placing it on my report because they never gave me a chance to request validation. The debt being placed on my credit report is not validated debt! Moreover, I had this whole conversation with National Recovery Agency without confirming who I am. They did not know if I was myself or a third party.
Product: Mortgage

In XXXX of XXXX, FEMA changed the flood zone map for our property ; not significantly. Just slightly. The XXXX map, like the new XXXX map, shows a small portion of dirt on our 2 acre property to be in the flood zone. The home is significantly elevated from this portion of land and literally on the other side of the property- clearly NOT in the flood zone. Somehow, our mortgage provider decided unilaterally we needed to insure a corner of dirt on our property that has never been, and never needed, insurance. They threatened to take out a policy for us. They told us today ( XXXX in customer service ) that FEMA contacted *them* to require us to get insurance, which we find quite hard to believe. It feels like extortion to us. We do not need insurance for a small portion of dirt. We have started the process with FEMA to get the maps necessary but that- they say- will take two months. Mr Cooper refuses to look at the maps showing that our HOME IS NOT IN THE FLOOD ZONE! In fact, the majority of the property isn't in the flood zone. We have maps we can send. These extortion like practices have to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX  XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete.
Product: Credit card

CitiBank closed my credit card saying that they have the right to do so without any reason. When they closed my account i have a credit balance with them of {$5300.00}. I have called them on XXXX XXXX, 2015 to direct deposit and have followed up almost everyday. They said it would only take 2 to 3 business days. 
I understand they might have issue of proving if my payment is valid and it might bounce back. I have no other way to get the my money by using my account cause it is closed. All i ask is for them to send me back my money. I am attaching the receipt of payments i did from XXXX using check free pay.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX.It ALL STARTED BETWEEN XXXX AND XXXX ON THIS COMPANY XXXX XXXX TRYING TO COLLECT A PAYMENT OF OF CABLE BILL I NEVER APPLYIED FOR OR EVER HAD RESIDENCE AT THE HOME WHERE THE CABLE WAS TO BE SET-UP. HOW THEY GOT MY INFORMATIOIN IS BECAUSE I DISPUTED MYSELF ON THEIR WEBSITE AND FILLED OUT A IDENTITY THEFT APPLICATION WITH THEM THAT SOMEONE AT THAT RESISDENCE FRAUDULANTLY USED MY NAME. I XXXX XXXX XXXX CALLED THEM NOT OR USED ANY CREDIT CARD NUMBERS TO GET THEIR SERVICE OR THEIR PREPAY BY CREDIT CARD PROGRAM THEY HAVE THAT WILL AUTOMATIC TAKE MONEY OUT OF MY CREDIT CARD. I TOLD THEM I NEVER LIVED AT THAT HOUSE OR ORDERED NOTHING FROM THEM I HAD MY OWN PLACE OF THEY WITH CABLE. I TOLD THEM THE ORIGINAL PERSON WHICH USED THEIR CELL PHONE AND CREDIT CARD MADE THE PURCHASE OF THAT CABLE FOR HIS USE NOT MINE. THE CREDIT BUREA AND THE COMPANY ITSELF INVESTIGATED AND NEXT THING I KNOW XXXX XXXX  WAS DELETED FROM MY CREDIT REPORT NUMEROUS TIMES OF SOMEONE BEING PERSISTANT ON MAKING ME PAY FOR SOMETHING I NEVER CALLED FOR NOR USED. AND I HAVE NOT SEEN THEM ON MY REPORT SINCE.NOW ITS 'S XXXX AND I RECEIVED NOT A BILL FROM THE ORIGINAL COMPANY I SO CALLED OWE AND THEY OR WHOMEVER OF THIS COMPANY AGAIN HAS WITHOUT WARNING OR ANY NOTICES PLACED ME TO THE CREDIT COLLECTIONS CALLED CONVERGENT AND THIS IS THE SAME COMPANY THAT WAS DELETED AND THE REST WHOMEVER KEEP PLACING TO THE CREDIT COLLECTIONS. I AM TIRED OF THIS AND I AM TIRED OF THIS SCAM AND THIEVERY OF GETTING MONEY OUT OF ME OF SOMETHING THAT DONT BELONG TO ME. NOW, THEY TRYING TO COLLECT XXXX FROM ME AS A DISCOUNT FROM A XXXX CABLE BILL THAT I SAID IS NOT MINE .PERIOD.PLEASE HANDLE THIS FOR ME. AND INVESTIGATE WHY I AM BEING HARRESSED SO OF SOMETHING IS NOT MINE BY THIS COMPANY OR COLLECTION AGENCY FOR WHICH I ALSO SPOKE TOO LONG AGO.IT 'S BEEN A ALMOST 2 YEARS OR 1 1/2 YEAR THEY HAVE NOT BOTHERED ME AND BEEN DELETED FROM MY CREDIT REPORT UPON NUMEROUS INVESTIGATIONS AND HERE I GO AGAIN WITH THESE PEOPLE. I AM ANGRY AND VERY TIRED OF THIS XXXX, NOW.HELP.SINCERLY XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. Delete : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history. I have asked to have them updated to paid as agreed, paid on time, never late. THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE IMMEDIATELY. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO ON TIME, NEVER LATE, PAID AS AGREED OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I took some college classes and was unaware of an outstanding balance I had with the school. The account was placed into collections before I became aware of it. Once I was aware of this collection account, I inquired directly with the college and they explained I still had an outstanding balance. I paid this amount in full directly to the college. I noticed that the collection account is still on my credit report and called the debt collector General Revenue Corp to have them remove it since it has now been paid in full. I spoke with a representative and their supervisor and they both explained that they did not consider the debt to be paid in full until I paid them various junk fees they applied on top of the debt. I believe it is illegal for them to charge these junk fees and keep this account open despite the debt being paid in full.
Product: Money transfer, virtual currency, or money service

Since XX/XX/year> I haven't been able to sell nor buy anything within Coinbase and the following pop up has consistently been showing stating that it shouldn't take longer then 3 days and it has been long past that with zero explanation when i'm on the phone or with email.