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

Good Morning ; I'm not sure what's going on with XXXX XXXX XXXX XXXX, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes I am not disputing anything on my credit report as of today. Please open my credit file up as of today please
Product: Payday loan, title loan, or personal loan

Im trying to enter my bank information and I have tried every way possible. I called my bank and they said I have to get ahold of them and enter it in manually but earnin is saying they cant do that. I cant not connect my bank to use it and dont know what to do at the point and its getting aggravating.
Product: Credit card or prepaid card

I am requesting a late payment forgiveness as a courtesy to help my credit. Outside of the 2 missed payments, I have perfect payment history. I was XXXX XXXX XXXX XXXX XXXXXXXX during the missed payments XX/XX/2020 and XX/XX/2020. This applies to my capital one platinum card as well as my capital one wal-mart card .
Product: Mortgage

I am beyond in disbelief that wellsfargo as my original loan in mortgage and line of credit. Could sell my first mortgage to a sister company that has all ties to them XXXX. Then my second loan is still with wellsfargo I have had issues with my mail. I never received any of the letters you sent to XXXX the company you sold my first loan. I had to declare bankruptcy to even try to get information since I was ignorant to the process I expected my bank to guide me and let me deal with one person. From the original day I asked wellsfargo for help I got so many different team members that by the time I had my information on how wellsfargo wanted it I was foreclosed. Wellsfargo originally had my first and second loan and through the attorneys find ways to not help us as people who are truly in duresss. XXXX hit us so hard family died your own representatives give wrong information on dont worry dont pay we can help. All to make us go under when we realize the amount we owe is totally triple thanks for being proud of taking a home from a mom of three. If you planned on helping you dont sell the loan and act like you cant sell the second loan. I will hire an attorney this is corruption!
Product: Mortgage

I had a decrease in my salary last year because of my employment changing. My previous employer laid me off because of the company down sizing. I've requested a mortgage modification and submitted my financials several times to my mortgage servicer Caliber Home Loans.They have sent me 2 modification offer with trial payments plans. 1st-Trial payment plan for XX/XX/2018 gave me a payments but they were filing a private mortgage insurance claim in the amount of {$51000.00} per Customer Service Caliber Loans, at that time I was delinquent {$3300.00} why is Caliber filing a PMI claim in the amount of {$51000.00}. I filed a consumer complaint and resubmitted a modification request with financials to caliber. I received XXXX the 2nd Trial modification with the trial payments, I called Caliber Mortgage Customer service they stated hey were filing a private mortgage insurance claim in the amount of {$39000.00}. my mortgage is delinquent in the amount of {$9000.00}. Again why is Caliber mortgage filing a private mortgage insurance claim for that amount when I'm not delinquent for that amount. I want to pay my mortgage obligation but I don't want to be taken advantage of financially. See Attachments Please! Please! Please Help
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate reporting of my paid charged-off account, XXXX. This account was settled under a pay-for-delete agreement, yet it continues to report incorrect information, including an inaccurate high credit limit, date last active, date of last payment, and payment history. Furthermore, when this account was settled over the phone, it was agreed that it would be removed from my credit report. However, the account is still being reported, causing me financial and emotional distress. This inaccurate reporting is not only misleading but also unlawful under 15 U.S. Code 1681s-2, which mandates furnishers to report only accurate and verifiable information. To resolve this matter, I request that XXXX immediately remove this account from my credit report as per our settlement agreement. If this matter is not resolved, I am prepared to initiate arbitration as outlined in our original agreement, which would result in additional costs and legal fees for your company. Please respond within a reasonable timeframe to confirm your willingness to honor the pay-for-delete agreement and remove this account. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, Consumer XXXX XXXX am filing this complaint against XXXX and XXXX XXXX XXXX for inaccurate reporting of the account. Please see attached for more information.
Product: Checking or savings account

On XX/XX/year> my account was close for no reason by cash app. I have had this account for many years and never had any problems I have contacted cash app to seek an explanation and was told I could not talk a supervisor and had to wait for email communication mean while my money is on cash app and have no way of sending or receiving my funds $ XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 

Upon further investigation, I realized that my personal Information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. 

Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00}
Product: Mortgage

The company is GMFS mortgage. The problem is in how they apply their mortage payments. I asked to see consumer disclosures where they explain how payments are applied and they do not have forms online. They told me to MAIL a letter to GMFS XXXX XXXX XXXX GA XXXX and they there are no payment disclures they they would just respond to the letter. The problem is if you make payments throughout the month, they put the money into a suspense account. Then wait until you have the full balance to apply the money to the payment. BUT sometimes they take the money and apply it all towards principle. Even though when making the payment they ask if you want it applied towards the payment, principle or escrow. I put the amount in payment, but they applied it towards principle. They state that after XXXX hrs any money in suspense is applied towards principle. Although this is not stated anywhere nor do they have anything that was signed and agreed to for payment terms. This is alarming, becuase this creates late payments and fees. Also this is not in a written disclosure that you can find online or in a signed document. Who knows how many people they have frauded and recived late payments or misapplied funds.
Product: Debt collection

the debt collectors are calling about a debt for a card that was never owned or held by me, they call me on a day to day basis for it and i never owed the card account they asked for, i even requested them to verify the account but they still continue to call from multiple different numbers each call. I eventually checked on XXXX to see if it was on my file and i saw a XXXX XXXX XXXX  in which i disputed and they eventually removed the card from my XXXX  file since i had no connection to this account or debt. however, the debt collectors still harras me on a daily basis and attempt to take sensitive information from me.
Product: Credit reporting or other personal consumer reports

Someone from this address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, UT XXXX, opened a credit card with XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX and spent {$2600.00}. I worked with XXXX XXXX XXXX XXXXXX/XX/XXXX to resolve the issue. However, I see that this fraudulent account is still on my credit report and needs to be removed at it is impacting my credit score.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed some unusual accounts on it. I looked into the accounts and found them to be fraudulent. I have the accounts listed below, along with inquiries. I would like assistance from the CFPB in having these fraudulent and unauthorized accounts removed from my consumer credit report. I have attached an identity theft report filed with the FTC. 
The fraudulent accounts are : XXXX XXXX XXXX Acct # XXXX, {$1000.00} XXXX XXXX XXXX Acct # XXXX, {$340.00} XXXX XXXX, XXXX, {$590.00} XXXX XXXX XXXXXXXX, Acct # XXXX, {$1000.00} XXXXXXXX XXXX Acct # XXXX {$840.00} The following credit inquiries are also fraudulent and included in my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised by a number of sources collaborating at once. Not only did i lose my wallet, i was also a victim of the Equifax breach as well as the dark web. The following accounts both unknown and unauthorized I'm demanding to be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX  5 ) XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX  8 ) XXXX XXXX 9 ) XXXX-XXXX  10 ) XXXX/ XXXX  XXXX
Product: Mortgage

My mother had a reverse mortgage on her home. She died, XX/XX/2019. Today will be one month from her death. I went to pick up mother mail and found a letter for requesting I contact them within 30 day. I just got the letter and it has not been 30 day. Yet, they have taken passion of the, change the locks and took some of the expensive items out of the house. Do the Reverse mortgage have the right to take my mom home without court notification? 

A notice posted and the date on the notices was XX/XX/2019. They went into packed boxes and took what they wanted. They set something to side, as if they were coming back to pick them up. I was in process of packing my mom items with boxed of stuff in the boxes. I would think, they would have call me since, I am her only child. The have all my information. 

There was someone still staying, so was lock out. I had been paying the taxes, Power, and insurance on property until I can get me a loan to buy my mom home. Should have the opportunity to sell my mother home or buy, but the reverse mortgage has taken over the property. What can I do? I just purchase carpet for the living and bed rooms. 

Also, she had a credit balance XXXX in XXXX, yet today I check and see that have been withdraw to pay on the home and there is a balance XXXX. What are my rights as her only child? I am willing to get a loan on because the city assessment is over XXXX and or get the house ready for sale, but that right has been taken away from me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX. However, I have not been able to get them on the phone. I want to buy and sell my mother and some from XXXX XXXX XXXX XXXX has taken position of the property. Can they perform an eviction without a Court Order and no formal posting? The letter was dated XX/XX/XXXX and I just got it. XXXX XXXX can be reached at XXXX XXXX. Please help. 


Company managing her money XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Chase, In Re : XXXX XXXX Credit Card Ending in XXXX I am hereby requesting you provide all three credit bureaus a letter and send a copy of said letter to my address below informing them to remove the hard inquiry from my credit report for the XXXX XXXX Credit Card that has been closed but that was opened in my name and that I reported given this account was opened in my name without my permission. 

And was the result of identity theft. 

I furthermore request you provide in the letter to all 3 credit bureaus both the consumer and business credit reporting agencies notifying them that the account was closed given it was a result of identity theft which I have already reported directly to Chase and that I am no longer liable or obligated to pay the debt and it shall be removed from all credit reporting. 

I would greatly appreciate this. 

Thank you so much. 

Please send a copy of said letter to my address below along with my email address being XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX, AL XXXX Warm Regards, XXXX XXXX
Product: Mortgage

On XX/XX/year>, a letter was sent to Mr. Cooper to request PMI cancellation. The letter was ignored and never responded to. 

on XX/XX/XXXX, via chat with two agents named XXXX and XXXX, Mr. Cooper tried to say they never received the letter even though there was a USPS confirmation of receipt. 

The agents went on to try and blame me in any number of ways for why it hasn't happened and question everything I did to see if I made a mistake they could blame. 

By law the servicer is required to respond in 20 days and provide resolution in 60. Mr. cooper has done neither and is making excuses for why not and it is costing me money each month in XXXX 

I suspect this is standard practice for Mr. Cooper as the agents seemed to know the script all to well to try and blame the customer and pretend the letter that was sent was never received.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that certain fraudulent accounts and transactions be permanently blocked and deleted from my credit report, as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a recent data breach and am now dealing with the ramifications of fraudulent activity on my credit file. 
The following accounts are fraudulent and do not belong to me : XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$710.00} XXXX. XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$8600.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$22.00} XXXX. XXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$6900.00} XXXXXXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting negligence in reporting and investigations of disputes for all 3 bureaus. I have written XXXX, XXXX, and Transunion on XX/XX/2023, XX/XX/2023, and XX/XX/2023 in regards to verifying information that is being reported for public records and accounts included in this record. These accounts and public records have yet to be even placed in dispute status. Instead of receiving updates of disputing and reporting errors, I continuously received a mass amount of accusations of credit repair letters. This is unacceptable. This negligence is ground for deletions of these items. After XX/XX/2023, XXXX finally launched 1 investigation out of 3 times requested, and verified information as correct and verified. I do not agree with such results as XXXX is in lawsuits for not verifying accounts and accurately conducting investigations. No information was provided as far as method of verification and information on who verified this information to the credit bureaus. I demand that this inaccurate information be deleted from my credit report. I have been more than generous with reporting times and investigation periods. The screenshots of accounts below are inaccurately reporting inconsistencies across bureaus. Under Section 623 ( a ) of the FCRA, this act prohibits a person from furnishing inaccurate information to a credit reporting agency. EVERY SINGLE ACCOUNT showing has inconsistencies on their last date of activity. This is a very clear inconsistency that has yet to be verified. These bureaus have blatantly ignored my request. This inaccurate information is hurting my credit. It is well beyond the 30 day investigation period allowed, and I have been ignored. These accounts and public record should be deleted as soon as possible. Please mail me an updated report showing these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute a collection account with Equifax Credit Bureau. The account is listed on my Equifax credit report as N/A ( see attachment ), but on Equifax 's XXXX as XXXX XXXX XXXXXXXX - Account # XXXX. I have disputed this account with Equifax, but they are refusing to delete it even though the information being reported is incomplete and inaccurate. 

Equifax has allowed this debt to be reported on my credit report for the past 4 years without the creditor providing a date of first delinquency. 

Equifax and the creditor are in violation of Section 623 ( a ) ( 5 ) of FCRA, which says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action As I noted above, the creditor has failed since 2018, well beyond the 90 days stated in Section 623 ( a ) ( 5 ), to provide a date of delinquency. Please note the missing date of first delinquency on my Equifax account and on my credit report in the uploaded files. I've also attached proof of the date of last activity on this account, which dates back to XXXX of 2018. 

In addition, XXXX XXXX XXXX and Equifax are in violation of U.S.C. 1681 Section 604 A, which states that a consumer reporting agency must have written consent to furnish an account on my credit report. 

My rights are being violated. Please help.
Product: Checking or savings account

I filed a complaint against Fifth Third Bank last month because they charged me a {$25.00} service charge on a checking account with a XXXX balance. I just received a letter from Fifth Third stating my savings account was overdrawn by {$5.00}. This account has had a XXXX balance since XX/XX/21 and the service charge was applied on XX/XX/21. Just like the checking account issue Fifth Third 's online application does not appear to have a feature that allows a consumer to request the account be closed. 

Clearly Fifth Third has automation routines that create these overdraft notifications, they should also use automation to stop applying service fees on XXXX balance accounts instead of relying on consumers to go through a notification process to have these charges reversed. That would be a " Fifth Third Better ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Financial Protection Bureau, CFPB, and Federal Deposit Insurance Corporation, FDIC : XXXX XXXX is NOT IN COMPORTMENT WITH FEDERAL REGULATION 15 USC 1692. XXXX XXXX has embezzled and misappropriated funds and are resorting to extortion to collect on FUNDS I DO NOT OWE THEM BY WAY OF ADVERSELY AND NEGATIVELY AFFFECTING MY CREDIT. XXXX XXXX NEEDS TO CURE THEIR BREACH. ALL PAYMENTS FOR ( MY XXXX  ) XXXX WILL BE PAID TO XXXX COUNTY STATE COURT ( CRIMINAL DIVISION ) AFTER BREACH IS CURED. 

XXXX XXXX AND its AGENTS HAVE BEEN WARNED TO NOT STEP FOOT ON PROPERTY LOCATED AT XXXX XXXX XXXX, XXXX, GEORGIA XXXX-XXXX. IF THEY DO, THEY ARE CRIMINALLY TRESPASSING AND WILL BE DEALTH WITH ACCORDINGLY. THEY HAVE BEEN ADVISED TO CEASE AND DESIST WITH ANY NEGATIVE, ADVERSE, CREDIT REPORTING. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX