23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received an email on Monday, XX/XX/2020 at XXXX XXXX  that I had been declined for a credit card with CapitalOne. I immediately contacted CapitalOne and notified them of a fraudulent application in my name. After answering questions CapitalOne was convinced that fraud had taken place. I was advised and assured that I would be receiving a letter and that the three credit bureaus would be notified. Nothing has happened and I want to be assured that my score is not harmed as a result of this fraud. 

Thank you. 

XXXX XXXX XXXX
Product: Checking or savings account

Three accounts were opened at the Bank of America with my social security number, the names and the birthdays do not match mine, however, the Bank of America will not close these accounts, they will open a '' claim ticket '' to have the matter investigated within 90 days. I am a XXXX service member in my identity has been stolen and this answer is unacceptable. There are three open claims " XXXX '', " XXXX '', and " XXXX ''.
Product: Credit card or prepaid card

Applied for a lowes home improvement card said i pre qualified sent me to XXXX went through procress here called because it said i was blocked talked a man that said you will get a letter 7 to 10 so that means i didnt quailfy false and misleading i didnt see anywhere where it said prequailfy doesnt mean you qualify now this is a hit on my credit false and mileadind schnory bank the web wont let you capture any of your info because they ask you to take a pic of self and id
Product: Mortgage

Green Tree Servicing , LLC is XXXX of the worst companies I 've ever dealt with. After being assured that I was approved for a loan modification, Green Tree kept requesting the same documents over and over. I submitted at least a XXXX packets of the same exact documents, only to be told they were never received, at which time they started foreclosure proceedings. 

They also harassed and threatened me many, many times on the phone, sometimes up to XXXX phone calls per day, often swearing at me over the phone. They also contacted my family members by phone and threatened them, as well, giving these XXXX parties information on my Green Tree debt. 

I thought XXXX XXXX XXXX customer service was bad, but when my mortgage was sold to Green Tree, I learned that their practices and customer service are XXXX times worse. My account representative, XXXX XXXX ( XXXX, ext XXXX ) was not only disrespectful and harassing, but she would not give me the information I needed, including the amount due on my mortgage. She also hung up on me many times. 

XXXX XXXX also insisted that my AUTO insurance was part of my escrow balance. I knew this was n't true and called my auto insurance company to confirm. When I called the office of XXXX XXXX, president of Green Tree Service, LLC ( XXXX ), I was given an amount due to bring my account current. I called again to confirm that the amount was correct and was given a different figure. They then insisted on transferring me to XXXX XXXX, who again, would not give me any info or payment options to bring the account current. 

I 've dealt with other Green Tree representatives, as well, and both XXXX XXXX and others noted that nonpayment of my mortgage could result in arrest or imprisonment. Green Tree pressured me to use a payment system known as XXXX, a pay-by-phone service that charges {$12.00}, even though other payment options were available to me. 

The level of incompetence of Green Tree representatives is shocking, and I hope that steps are being taken to make this situation right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00}
Product: Payday loan, title loan, or personal loan

This is not my account I never received any payment
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan through US Bank at an annual 10.99 % interest rate over 36 months. US Banks sent over a contract which I signed to complete the loan approval process. What US Bank failed to mention and what is not listed in the contract is the daily bank fee which is determined based on the size of the loan and annual % rate. The first month the daily rate was {$2.00} and now it's {$2.00} this month. This additional bank fee was never stipulated in the contract. I contacted US Bank to communicate the mistake and was rerouted three times before being connected to the loan department where I was connected to a supervisor. The first supervisor was talking over me and raising her voice to the point where I had to ask her to lower her voice. She proceeded to talk over me at which I asked to be connected to another supervisor as she was still rude. I was transferred to another supervisor who was explaining the interest rates again which I understood, however, nowhere in the contract does it stipulate any reasoning or breakdowns of daily interest charges that US Bank will take on top of the interest they're already earning if it takes me the full 36 months to pay off the loan. I explained that knowing how loans work based on hearsay is completely different than indicating that point by point in a legal document. The supervisor couldn't find anything in the contract that explains the daily interest and attempted to depute the request from their system. The supervisor said she would send the amortization schedule so I'm waiting on that. The dispute here is regarding the misleading language in the contract along with the refusal to explain or even indicate a daily interest charge.
Product: Debt collection

We bought this property on XX/XX/XXXX for a value of {$74000.00}. Originally we take a mortgage loan of {$65000.00}. From XX/XX/XXXX to XX/XX/XXXX we had financial problems and we were unable to do the payments. Then on XX/XX/XXXX it was a established a new loan for the amount of {$72000.00} since that we made payments twice a month of {$670.00}. each. 
Now that we ask for the payoff because we are trying to get a new loan in another bank they are telling us that our balance is {$100000.00}. 
They send us an statement and there was not reduced all the double payments we made since XX/XX/XXXX up to XX/XX/XXXX.
Product: Mortgage

Our mortgage company refused to cancel the PMI even though we are less than XXXX % loan to value, according to a recent appraisal that the bank itself commissioned.
Product: Credit reporting or other personal consumer reports

I have pulled my credit report and I have discovered a fraudulent account from BANK XXXX XXXX with the account XXXX opened on XX/XX/year>. I have also found a fraudulent address I have never lived at, the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove these fraudulent entries from my credit report.
Product: Mortgage

Recently, my bank, XXXX XXXX, switched loan servicing company and the name of the new loan servicing company is Dovenmuehle Mortgage Inc. 

XX/XX/XXXX at XXXX Eastern Time, I called XXXX ( Dovenmuehle Mortgage Inc 's Customer Service number ) to asked why I cant register my newly assigned account number so I can view my mortgage online or make a principle payment. 

They asked me to register through the site again at XXXX XXXX XXXX which is a portal for Dovenmuehle mortgages. I kept encountering an error stating " The Information you Entered does not match our Records! '' and the Customer Service Rep told me that I wont be able to create an account until first quarter of XXXX. That is absurd. I then asked to be transferred to a supervisor. Apparently she was of no help and kept telling me false information. Luckily I have a friend who also has a loan by the same banks and he was able to create an account fine today. I called her out on the false information. She said there is nothing she can do about it and I have to wait till first quarter of XXXX to make an account. She also claims that there was no " register account '' link on XXXX XXXX  website which is also false. I will attach screenshots. She then puts me on hold for no reason and makes me wait to come back with " Is there anything else you need? '' -- I asked for her full name and she only gave me her first name and refused to give me her last name. She gave me a telephone code " XXXX '' to reference her. I managed to find her online and her name is XXXX XXXX, Team leader Customer Service at Dovenmuehle Mortgage. 

So my main complaint is why on earth is it possible for my friend to create an account today BUT for me, I have to wait 6 months. I would like to be able to access my mortgage information online and be able to make principle payments if needed. I'm not able to login at all to their website to access my mortgage at this current point in time.
Product: Credit card

On XX/XX/XXXX, my card was charged {$130.00} by XXXX for a transaction that I did not make. I opened a dispute with US Bank, but they neither asked for any information nor provided any details about the transaction. Instead, they assumed that I made the purchase. I explicitly told them that I did not authorize this transaction, and they assured me that if it wasn't my charge, I wouldn't have to pay for it. However, they adjusted the payment and made me pay for it anyway. 

This is completely unacceptable and demonstrates incompetence on the part of US Bank. Please review this situation and help resolve it. It is unfair for a customer to be held responsible for a purchase they did not make.
Product: Credit reporting or other personal consumer reports

I worked with a debt settlement company to settle the debt. The settlement was paid off in XXXX. To date, the company continues to report a balance that increases even though the debt settlement was accepted and paid. I am not able to get anyone in the phone as they continue to transfer me to a department that doesnt answer. I have spent XXXX hours on hold with no success. I have disputed the information with copies of the cancelled checks and they continue to report the account with a balance.
Product: Debt collection

Conns has been calling from different numbers up to 20 times per day. I have explained to them that I was under the impression that I had payed the account in full and needed a few days to look back over my financial records. Within 8 hours of telling them this they are already calling back XXXX three times per hour from different local numbers and I have called the numbers back after getting off the phone with them or after my so. Had answered a call from them and the numbers are not in service. They are harrasing and threatening me. I have told them I will call them once I have a chance to pull my bank records from 3 months ago. They wo n't stop harrasing me. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a fraudulent inquiry on my credit file from XXXX XXXX. Inquiry date was XX/XX/2023 this was not made by me this inquiry is fraudulent and I would like it removed from my credit report. I already filed a dispute with Experian as well as contacted XXXX  and requested it to be removed and any cards canceled
Product: Credit reporting or other personal consumer reports

I just recently looked at my report XXXX XXXX.I saw some hard inquiries that did not have permissible purpose.I also attached evidence. 
XXXX ) XXXX Date : XXXX XXXX ) XXXX XXXX Date : XXXX XXXX ) XXXX XXXX Date : XXXX XXXX ) XXXX XXXX XXXX  Date XXXX XXXXXXXX XXXX XXXX XXXX Date : XXXX Those has no permissible purpose to be on my report.Delete those inquiries due to violation of 15 USC 1681B.
Product: Money transfer, virtual currency, or money service

Cash app know as Block inc, did not have a live agent to speak with when they closed my account as well as to speak with about funds
Product: Mortgage

My now ex husband refinanced our home multiple times without my knowledge. The lender sees nothing wrong. Well, what Wells Fargo has on file doesnt even match what XXXX XXXX has on record. My now ex husband refinanced in XX/XX/XXXX, somehow taking my name off the loan? Getting a whole new loan? How is this possible without me even knowing? He did a modification in XXXX of XXXX. The records XXXX XXXX has show us supposedly signing in front of a notary on XXXX XXXX. I was in XXXX! I spoke with the notary and she denied notarizing the loan, until she was contacted by the detective for the sheriffs department. She told him I signed in front of her. That is a lie, and I had the proof to show him. He didnt care to see anything I had. The notary said I signed in front of her so the investigation was at a stand still? Wells Fargo sent me a copy of the same modification. Not only did they have a totally different notary on their papers, but, she signed and notarized on XX/XX/XXXX, and XXXX XXXX and I supposedly signed on XX/XX/XXXX. Wells Fargo sees nothing wrong with just that? 
They are trying to assume 0 responsibility for all of this because they no longer have the Loan? Well, they are the ones that helped cause this nightmare I am now living! I cant do anything because nobody will talk to me as Im not on the loan!!! He borrowed against my home in XXXX of XXXX. While we were going through the divorce. I was and still am living in my home. 
The deed shows my house is in XXXX XXXX XXXX? No, no its not. Its in XXXX XXXX, and that whole deed is nothing more then a scam anyways. I blame Wells Fargo for this mess. For letting him borrow borrow borrow without me even knowing. I am on the deed and the title and the original note from XXXX of XXXX. As far as Im concerned, this is mortgage fraud at its finest. I feel I have been discriminated against because Im a woman. So naturally I must be overreacting? No, no Im not. I am reacting. There should be consequences for this sort of thing. I have been fighting a battle to keep my home, all because of an incompetent lender.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - Discovered my credit account with all information was taken over by same fraudster for the XXXX time but this time he made his email primary so when I tried to change password the code went to his email! To get account back ( on a Sunday when Experian was closed ) I was able to simply " Sign Up For Free '' enter last XXXX of my social and my Wife 's Cell ( a completely different Cell, not associated with my account, ever ). It sent a verifying Link and upon clicking, I am able to see my Full Name, Date of Birth, Address and allowed me to create a NEW sign-in and password. At that point, I had full access to all my information and even with click of the button, UNFREEZE my Frozen account. I had Frozen year ago and thought a XXXX digit # was required to Unfreeze. Not so any longer. So not only is my account info laid bare but now they can Unfreeze my credit. 

PLEASE- try this your self! " Sign Up For Free '', enter last 4 of Social and Cell ( even another you have access to at the time ), and see just how easy Experian has made it for someone to see all your personal information & steal your identity. It's crazy!! Somebody force Experian to provide at least the basic identity protections, for Free!
Product: Debt collection

Jefferson Capital Systems reported first date of deliquincy on collection as XX/XX/scrub>XXXX This debt is at or beyond the 7 years the debt can be reported. XXXX refuses to remove the debt or atleast correct the wrong first date of delinquency, while XXXX couldn't verify the debt, but left the account on my credit report with a {$0.00} balance and a wrong date of first delinquency. Jefferson Capital Systems has never communicated with me. They also frequently add and remove the debt when I dispute it. This is unfair for me to continually deal with wrong info being reported by Jefferson Capital Systems, and for XXXX XXXX XXXX XXXX  to continue to report wrong info on my credit report and ruining my financial health.
Product: Credit reporting or other personal consumer reports

I am writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report that I believe do not belong to me. Specifically, I am disputing the following accounts : After previously disputing these accounts and providing supporting documentation, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : What specific steps were taken to verify these accounts? 
Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me?

Were any third-party databases or external records consulted in the verification process? 

Furthermore, I have been informed by the creditors associated with these accounts that the accounts were mistakenly merged with information belonging to another individual. This appears to be a case of mixed credit files or erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being. 

Given the severity of this issue, I request that your agency : Conduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files.

Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources.

Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 


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

I have contacted Equifax on numerous occasions about a Bankruptcy Acct # XXXX that they are reporting on my credit report. I have sent them letters in the mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have this inaccurate and unverified Bankruptcy Acct # XXXX removed from my credit report. This same account has already been removed from my XXXX credit report and my XXXX credit report. XXXX has also sent a dispute request to XXXX on my behalf on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX that Equifax HAS NOT RESPONDED to the dispute sent by XXXX. Equifax has taken more than 30 days to respond to the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this letter as notice that you are in violation of negligence and false reporting by selling the contract without taking you to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. According to the FCRA Section 1681e of the FCRA requires that CRAs follow reasonable procedures to ensure the accuracy of the information they collect, maintain, and provide to third parties. 

Failing to follow procedures has put me in situations where I have lost credit opportunities, higher interest rates, denial of credit, and non-economic damages such as emotional distress. Ruining my reputation and character.
Product: Credit reporting or other personal consumer reports

XXXX XXXX balance of {$1800.00} XXXX  XXXX balance of {$3600.00} XXXX XXXX XXXX balance of {$11000.00} XXXX balancXXXX XXXX {$4700.00} XXXX XXXX balance of {$0.00} All of the above should have been removed from my reports the same time the derogatory information was removed XX/XX/XXXX I only have XXXX Credit Card and it is a XXXX XXXX XXXX with a {$300.00} limit. I don't use credit. 

The Hard Inquires need to be removed I have not applied for any credit aside from my car and house and those I will not list for removal. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX This needs to stop, I have never seen this dirty mess before.
Product: Credit reporting or other personal consumer reports

Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I hope this letter finds you well. I am writing regarding my account with Comenity Capital Bank ( Account Number ending in [ XXXX ] ). While I am not disputing the late payments reflected in my account history, I would like to request specific details about the number of days I was late for my own internal records. 

Could you kindly provide the exact number of days I was late for each of the following months in XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I would appreciate if you could include the total number of late days across these months. 

This request is for my personal records, and I appreciate your assistance in providing this information. Thank you for your time and attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Although I talked to the company and they agreed to delete the accounts in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. Please remove the accounts : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

DITECH is refusing to release my insurance claims checks to pay the contractor for the completed repairs. The claim was from XX/XX/XXXX and all repairs were completed in XX/XX/XXXX. Insurance has paid all checks on the claim, including recoverable depreciation, total $ XXXX. DITECH has issue only one draw check for $ XXXX in XX/XX/XXXX. The contractor is losing patience and will proceed with filing a lien against the home.

DITECH actually told me to take out a short term loan to paid the contractor and they will paid me once they are satisfied that the home was repaired to their satisfaction, despite the fact that the county code inspectors and the insurance company adjustors have signed off! 

This is an overstep of the promissory note and harms me, due to 1 ) the devaluation of the home due to the Lien, and 2 )  hurting my credit. 

I believe DITECH needs to be sanction for this practice and to pay me my claim money plus interest.