23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with Lakeview Loancare. They had a data breach on or around XX/XX/23. No transparency was provided, and yesterday ( XX/XX/23 ), I receive an email stating, " We're Back Online '' in the subject line. In the body of the email, there was no admission of what happened. Come to find out, they were impacted by XXXX XXXX XXXX systems being hacked for ransomware. They were " offline '' for several days and I had no idea! Lakeview stated in their emails customers now need to re-enter their bank account information ( which still doesn't work ) on their *new* portal. I don't feel comfortable trusting this company with any information ever again. This is insane when you think that they have my SSN, DoB, Address, BANK ACCOUNT Information, etc. This company needs to get heavily fined and a class action suit should be filed against them. I am so upset over this, and worried about having to continue to do business with such a poor, unethical company.
Product: Credit card

I saw on the capital one app that I use to pay my car loan that capital one says I have an account that is charged off due to non payment of a credit card in 2017 with a balance of {$1000.00}. I absolutely did not open up a credit card then with capital one. I called capital ones fraud department and they said they would get back to me. They got back saying no fraud was detected. That was their only answer. This is hurting my credit and could stop me from buying my first home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my account and not why it's on my credit profile as I have never had account with this financial institution : XXXX  XXXX XXXX  # XXXX Please the support of this account with method of verification some type of binding agreement. 

This is not my account for sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? You obviously are reporting the wrong balance and I have sent my original documentation to proof to you that the balance is incorrect. Under the laws of the FCRA I know that I have reason to sue you for many violations. I enclose copies of my requests asking to validate or remove this account. The letter is dated, and time stamped so there is no way to lie during court. I will be filing a statement of claim if this account is not removed. Stop reporting this information on my credit report for failure to legally verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my 4 Parent loans went into collections without my knowledge. I thought that they were all on deferral. 

I've been trying to work with Coast Professional , Inc to get a  reasonable payment plan. 

The only response I ever got was that they were unable to locate my account. 

Although they have failed to cooperate in any way, I continued making payments of whatever I could afford. 

I recently sent them a letter asking to negotiate the amount down to {$2500.00}. They accepted the {$2500.00} as payment in full. Now, even though they cashed the check with PAID IN FULL written all over the front AND back, they state that they will continue collections activities. 

This NEGATIVE item remians on my credit reports SEVERAL TIMES. Each one with a different status. Collection, Charge off, Transferred, closed. They are all the same loan.

Other than this one item on my credit report, I have NEVER had a late payment and they have ruined my credit.

I have continuously requested removal from all three agencies. It comes off and a month or two later, it's right back on.
Product: Debt collection

I have been monitoring my credit report closely in attempts to better my financial situation. I noticed a NEW account that states it was Opened in XX/XX/2023. The company XXXX XXXX is reporting an old account that to the best of my knowledge was closed as I attempted to make payments on this account over a year ago and the website ( XXXX ) stated my account was closed. I do not recall receiving any information regarding this account since then. I assumed the account was closed. They have recently added this as a collection with no notice. I have attempted to dispute this with the credit reporting agencies. I believe they are trying to RE-age this debt. Also I believe the total amount is incorrect.
Product: Credit card

This is a continuation of the previous complaints with Synchrony Bank .... I have a problem with my balance for the amount of {$1900.00} XXXX. There are three different months with the balance on my statements. The amount of {$2500.00} XXXX  that I had been scammed for a vehicle that I never received. Synchrony 's policy is to credit their customer 's account for purchases never received. I spoke with the representatives in reference to the scammed, and I was assured that my account would be credited the full amount {$2500.00} XXXX. My balance was {$3500.00} XXXX  after the scam, so my account was credited the $ XXXX which brought my balance down to {$2400.00} XXXX  which left the {$1500.00} XXXX. I had been making payments on my account because there were some other items on my account that I bought and owed the money. However, my account balance was now down to {$1900.00} XXXX  with the payments I had been paying towards the balance. I called Synchrony Bank and asked why was my account still as high as it was? The representative screamed at me about the purchases I had made, which I had been paying on which is one of the reasons my account was {$1900.00} XXXX. The next month Synchrony informed me that I won my case, and they credited the {$1500.00} XXXX, but the amount owed was still {$1900.00} XXXX  and they argued that it was the right balance. I reported Synchrony Bank to CFPB and after I reported they said they were going to take a look at it, and they are still saying to make payments. I explained in the other emails that until they contact me with an explanation why my balance is still {$1900.00} XXXX, after they said it was credited {$1500.00} XXXX. The numbers aren't adding up properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two of the debts on my credit report are inaccurate. The XXXX XXXX is not mine and the XXXX XXXX have no basis for reported debt.
Product: Money transfer, virtual currency, or money service

I sold a TV to someone on XX/XX/XXXX for {$100.00}. She sent me the money on CashApp and took the TV with her. After receiving the item, the person filed a dispute with their bank. Cashapp did not ask for proof of a false transaction and removed money form my account without permission on XX/XX/XXXX. I spoke with a Cashapp representative and they told me that they're required to refund the money when someone files a dispute. I don't understand how they're required to take money out of my account without getting proof that the transaction was not fraudulent. I now have no recourse to receive my money because my bank ( XXXX XXXX XXXX says Cashapp has to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XX/XX/XXXX XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information XXXX XXXX XXXX XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information XXXX XXXX XXXX XXXX.
Product: Debt collection

Dear Sir/Madam, I moved in to XXXX XXXX Apartment Complex ( https XXXX XXXX ) in XXXX in XX/XX/2017 and since the day I moved in, I had so many issues. I filed official complaint on their website and through emails so many times. I got bedbugs and had small, weird looking bugs all over my room. They were coming in from the sink, windows and they  were everywhere. I am extremely clean person and I have XXXX for bugs. I start XXXX as soon as I see a bug. I also have XXXX XXXXXXXX. Maintenance went in to my apartment many times and sprayed and tried to terminate the bugs but they couldn't. It just affected my health as the bug sprays made me XXXX and I kept on having XXXX XXXX. Maintenance manager said as it's an old apartment complex, the pipes are very old and these bugs come in through water pipes and also through A/C filters. It's against human and consumer rights to force me to live in a such a horrible home condition. It's deceiving the consumer with nice pictures of the apartment unit and saying it's luxury and then I faced with the reality. Then I got robbed in my apartment at the end of XXXX. I also filed police report. That apartment complex is a horrible place to live in so I moved out in XXXX. The robbery affected me XXXX as I am a single woman and I could be killed if my dog didn't save my life. I don't owe this awful complex any money but they try to charge me for leaving the apartment and terminating my contract before due date. They're lucky that I didn't sue them. If I knew I'd have so many issues about cleanliness and safety, I wouldn't have moved in in the first place. So they cheated on me, misrepresented the apartment unit then tried to charge me for leaving the apartment to save my life and then sold my account to a collection agency. I would like this apartment complex to be investigated and get penalty as well as the collection agency. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The personal information on my credit report has inaccuracies and is affecting my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

I had a credit card for my business with XXXX. They closed down and I am guessing that XXXX XXXX took over. I was not aware of this until I saw a derogatory mark on my credit score for a late payment to a company I never shared my information with nor did I make any sort of agreement with. 

I do not feel comfortable sharing my information with them due to the large number of complaints about them. 

I would like to figure out a way to make this work and remove the " late payment '' from my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. 
I negotiated a purchase price of {$30000.00} + tax and license prior to the sale. I was pre approved and I only intended to pay for a service in addition to sales price. I put {$7000.00} as downpayment. They packed the price of the car with other fees to maximize the reserves in the approval. 
This vehicle was totaled in an accident on XX/XX/XXXX and was taken to XXXX XXXX reported information to protect consumers were misrepresented by them. They had no regard for timely reporting to state agencies per state laws. They rebuilt the vehicle and washed the title.I was sent a vehicle title from another state that had been expired since XXXX. No fees or registration had been paid either.I live out of state. At the point of sale I asked about the accident, title and repair estimate ( cost ) .I was told the information was locked up in the business office.It was Saturday morning and no business office personel was there. I took delivery and drove the vehicle home. 
Since then I have been ignored, bullied and publicly ridiculed by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is located in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have reached out to the FTC and local police. Im also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.
Product: Prepaid card

During pandemic my XXXX was deposited in to a USBANK reliacard prepaid account my initial depositwas $ XXXX due to a delay in payments as they say " backpay ''. I soon realized my account had beenfrozen. The reliacard never informed me of the freeze or purpose behind it, just went to go pay bills oneday and could not access funds. Reliacard requested ID information of to which I complied yet was stilldenied access to my funds. During the freeze I transfered all direct deposits to a different financialinstitution to be able to access funds but not after which US bank reliacard then CLOSED my account ; again this was done without my being informed. A remaining balance of {$13000.00} remained in thereliacard account and they refuse to issue me a cashier check for the remaining available balance at timeof account closure. The issuer waXXXX XXXX XXXXXXXX XXXX who has stated that the XXXX forpandemic has expired and they have no access to the funds once they are issued and definitely can not access the funds since the said program entitled the benefits has timed out. My account balance up until XXXX this year shows an AVAILABLE BALANCE for the above stated amount and I received bankstatements attesting to such. Us bank reliacard says the balance must be returned to the issuer and when i speak to supervisor of accounts for XXXX XXXX XXXX i am told that they do not hold the authority to do any such thing. That once the funds were issued to me it is between myself and the bank thry do not have funds returned to them and Us bank reliacard refuses to acknowledge me at all and have without aforeknowledge closed my account and deactivated it so that i will have absolutely no access at all. How do I get what's rightfully mine? ** I never wanted to bank with them in the first place.Desired XXXXesolution : What would resolve this matter to my satisfaction? Release MY funds to me via Cashier check or bank transfer. I only want what belongs to me.I would like to be contacted.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my Transunion credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX U.S.C XXXX SECTION XXXX  SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Mortgage

We made our regular loan payment for XX/XX/XXXX and then our XX/XX/XXXX payment was sent out XX/XX/XXXX ( a few days early ). Because it was received early, Shell Point counted it as a second XXXX payment rather than as a XXXX payment and we were considered to be in default for XX/XX/XXXX. We have never sent a late payment in our long history with Shell point ( 15 years ). We called & resolved this over the phone in XXXX of XXXX. As far as we knew, we were all set, and the issue was resolved. Now we are locking in a mortgage on a new home, and when we ran our credit report, we are seeing that Shellpoint reported this XX/XX/XXXX event, and our credit has suffered. Shellpoint reported this event as deliquent 10 months later to the credit bureau. My spouse called them XX/XX/XXXX & the woman on the phone said they would get us the Shellpoint Escalation Request/Specialty Letter for our loan agent so we could lock a lower rate on our new mortgage within 30 days. He called again to check on status on XX/XX/XXXX, same answer- " we will get it to you via email within the 30 days of XX/XX/XXXX ''. I called again to check on XX/XX/XXXX, as we never received the letter. Again Friday, XX/XX/XXXX. We needed this letter from Shellpoint stating that our payment was in fact on time and that THEY made a mistake reporting us to credit agencies. Our mortgage for our new home has to lock the interest rate in by today. Without this letter from them we are going to pay a higher interest rate for 30 years on this new loan because of our negatively affected credit. They said the letter takes up to 30 days and there is nothing they can do about it. We await the letter which was supposed to be emailed to us. It never came. When I called for an update, a supervisor named XXXX XXXX told me I needed to send the credit report, and proof that we paid early. I did immediately. He told me he would expedite the letter & get our credit cleared in time. I did exactly what they wanted, emailed asking them to reply that they received what they needed to move ahead, and no reply. I called, no one is ever at their desk. no supervisor can help. Nothing anyone can do M'aam. Over and over. I've done nothing wrong, did everything they asked, and still will end up paying handsomely for their negligence. I was surprised to see they are accredited via XXXX with an A+.
Product: Credit card

They owe me money for a duplicate payment of {$130.00} that I made after they mistakenly or falsely claimed that I missed a pavement. XXXX denied that I made the payment. After making another payment, they found the first payment and credited it to my account. However, I had already closed the account and XXXX sold their business to Ally Bank. Apparently, I've fallen between the cracks. 

My final statement lists a credit for {$130.00}, but the card is no longer valid because the account is closed. I'm unable to contact anyone, apparently because I closed the account and then it was sold. 
Account Number ; XXXX.
Product: Debt collection

They claim to be a law firm XXXX XXXX XXXX. Called my family in XXXX gave information that I had a claim number to called their attorney at XXXX XXXX XXXX. I live in XXXX so my family called and gave me the info. I called they said they were taking me to court or filing a judgement against me for a breach of contract on a personal loan with one financial loans in 2016. I never applied for a loan with one financial I asked for original note and they said they will send it when they serve me with paperwork in my county XXXX XXXX. They said their address is XXXX XXXX XXXX in XXXX XXXX XXXX. They also hanged up when I started to ask more questions. I did not have credit for a long time until 2 years ago. Divorced, lost job and went thru a lot for almost 15 years. No way I can get a loan in 2016 I had no credit. They say the personal loan is for 3500.00 they can check my bank never had that loan deposit to my bank and never cashed a check for that amount. I called XXXX Bar for attorneys they are not listed. Other similar complaints showing on notes web site by same XXXX firm charging people with not owed debts. Googled phone is registered by XXXX XXXX.
Product: Mortgage

I recently read an article on XXXX regarding the Navy Federal approving more XXXX  applicants than XXXX. I had the same experience as the person mentioned in the articleweeks and weeks of going back and forth only to be denied. I want to add my name to this list of complaints because, according to the article, they are wondering if this has happened to other XXXX applicants, and it has. 

In XX/XX/2021, I made it to the underwriting stage and was conditionally approved ( XXXX ), but was shocked to hear my application was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human being & i have my rights which i have rights unde

r 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I DEMAND the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax permission to furnish these accounts Account Name XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX Account Name XXXX  Account # xxxxxxxxxxxx XXXX Account Name XXXX Account # xxxxxxxxxxxx XXXX Account Name XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX Account Name XXXXXXXX XXXX Account # XXXX XXXX
Product: Credit card

We were the victims of credit card fraud perpetrated by a merchant in XXXX. The nature of the fraud was altering a credit card slip and submitting it for payment to J.P. Morgan Chase Bank, as though we had authorized the charge in question. We wrote a lengthy letter to Chase, describing the underlying transaction and the fraudulent conduct by the merchant. The representatives from Chase 's customer service department with whom we dealt robotically went through the steps - likely required by a training manual - did not consider the proof that we had spent hours compiling and then posted the charge to our account. It was patently obvious from the last communication from Chase that they did not consider the information we had sent them.
Product: Credit reporting

I was denied credit for a XXXX card and would like to request a free copy of my business credit report from Experian. I have attached a letter of denial from XXXX, which should entitle me to a free copy. Thank you.
Product: Checking or savings account

Reference : Ally Bank Case # XXXX -- XX/XX/XXXX -- Spoke with Ally Bank Rep regarding incorrect monthly interest payment based on my current annual interest rate of 1.5 %. I was told that in 10 business days I would receive the interest payment, in arrears, from XX/XX/XXXX.
-XX/XX/XXXX-I followed up with Ally Bank Rep since I had not received the interest payment in arrears. I was told that nothing was done, but that it would go out this day, XXXX, at Ally 's expense, and that I could call back after mid-night for a XXXX XXXX tracking number, and that I would receive my check in 3-4 days.. 

-- XX/XX/XXXX-I followed up again to obtain the tracking #, but an XXXX Supervisor said  the recalculation was in process and that there was no tracking number yet. 
I was also told that I would be contacted by XXXX within a day with an update as to tracking number and check amount. 

-- XX/XX/XXXX-No update received