23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/year>. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX XXXX XXXX : XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Mortgage

The account with bank of America was closed XX/XX/, 2016 due to foreclosure, the amount of the debt is {$59000.00} and I would like for the tradeline to be deleted from my credit report..
Product: Mortgage

please attachthis to the previous complaint i files day 6 of total chaos with my loan closing my loan was never closed propery last yur by same compoany and now having problems im subbitting all documentation and all files as now i have attourny working on it to they cant cloe on my home home poibnt financial which im working with now is same company did it last yr and never closed my loan properly still have a lien down at the county court hosue which i went down homepoint not even on there having a loan the tital compnay they used never did there job no im spending day and night my own time trying to fix this minumal XXXX from my lender they should be getting documents and calling everything was done on my end right and to the T this is frustraing i attached emails prob ten there over 50 over all this callled titalle company that had last yr there saying its lender respenc homepoint court saying home point respnsiblity attourney saying homepoint respponsibliky It is thye close my loan they were suppose to take care of this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I have been a Discover card customer since XXXX. I last used the card on XX/XX/XXXX. I received my XX/XX/XXXX payment as normal with a due date of XX/XX/XXXX. The minimum payment due was {$410.00}. I paid {$410.00} on XX/XX/XXXX. On XX/XX/XXXX I received a notification from my credit monitoring service that I was over the credit limit on a card. I checked to see what card was overlimit, it was the Discover that had not been used since XXXX. I called Discover to ask for a explanation of how I can be over my credit limit when the card was not used. The explanation given was that interest accumulated from my payment date to my card closing date put me over limit. They attempted to tell me how to calculate my interest so I would know what my true payment would be! As a consumer how is this acceptable? This practice is forcing me to guess at my payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XXXX date open XX/XX/XXXX date closed XX/XX/XXXX Failure to report any on time payments in this time frame. Incorrectly reporting past due payments. Failure to provide physical document verification to include contract, payment history, monthly balance, etc. as requested numerous times. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Wells Fargo Credit has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.
Product: Mortgage

I was selling my condo in XX/XX/2022. The closing statement showed that I owed {$230000.00} with a scheduled close date of XX/XX/2022. We sent {$230000.00} to cover the interest for the first week, plus another week in case of a delay in closing. The title company said this was standard, and I'd receive two checks from my mortgage company after closing : ( 1 ) the remaining escrow balance, and ( 2 ) the overpayment on interest.

The transaction closed on time. Weeks after the closing, I received one check which was a payment of {$3200.00}, representing the balance of my escrow account. I did not ever receive the overpayment of interest, and I owed no other fees and had no outstanding debts. By my estimate, I am owed roughly {$370.00}. 

I have contacted the Mortgage Company, Loancare, repeatedly, asking for a breakdown and explanation. All that Loancare says is that I am not owed any additional payments ( they did subsequently send me a check for {$5.00} after I complained, stating they noticed an error -- this was not a settlement check ). 

LoanCare has stopped responding to my correspondence.
Product: Mortgage

In early XXXX, I noticed my mortgage account had a XXXX balance in my escrow account, my yearly taxes is XXXX and my insurance is around XXXX. Therefore, the XXXX balance does not make any sense. I called Lakeview loan care service, the rep asked me to submit a tax statement from the county website. Which I did same day. Last Wednesday ( XX/XX/2023 ) the escrow balance grew to almost {$11000.00}, I called them again since it was already over a month to update the status, the rep confirmed they received the document I provided. They are still processing the request, she did escalate it so it would be done in a week which is the XXXX. Today XX/XX/2023 we called them again and the rep said they need to do another analysis and said it should take another week. With deposit rates at 4-5 % APY, I feel I am losing a lot of money putting this XXXX in their escrow account not making a XXXX. In the past, when I had a mortgage with a larger financial institution, I requested a similar escrow distribution and they processed it same day. I believe XXXX servicing should refund the balance immediately and compensate me for two months interest I lost at a 4 % APY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a XXXX XXXX XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over and reviewing a copy of my credit report i noticed that the credit bureau is still reporting an address on my credit report. reporting inaccurate information. i want my credit report only reporting accurate updated information. i have sent letter after letter and they are still reporting. Also they are reporting a XXXX XXXX  in which they say that XXXX XXXX is reporting but when i contacted them i was told that the credit bureau is reporting it.
Product: Payday loan, title loan, or personal loan

I could not get the service department of the Santander Consumer USA company to validate my correct date of birth, so I could log into their online service, nor would they amend the inaccurate loan reporting to the three consumer credit agencies ; XXXX, XXXX, and XXXX, so I sent a payoff on XX/XX/2019 through my XXXX XXXX brokerage money market account. I have tried to talk to their agents on the phone as they do not have an email address. I am faxing the complaint tonight and mailing a letter stating the payoff was sent for {$32000.00} wired to my Santander Consumer USA, INC account # XXXX. That I want the lien released on the title and sent to me at my address where they mail my monthly bills. 
The payoff was over paid by more than {$1500.00} by my XXXX XXXX agent who not only spelled the name of the lien holder wrong but also intentionally overpaid because he sent the payoff a month after I requested, because he said there was a hold on the account he told me would be liquid funds and available immediately, and then he had no idea his agency wired the funds XX/XX/XXXX. The customer service department at Santander Consumer USA will not acknowledge that the payoff was applied on the date of the wire, XX/XX/2019, nor will they acknowledge they are sending the title to my address on file,XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , Co XXXX. After rudley disconnecting my call three different times they put me on a 20 minute hold for a uspervisor who also hung up the minute I said hello. The agent at did reach and speak with at Santander Consumer USA insisted they would send the title to XXXX XXXX ; not telling to whom or what address.!!! 
No Im trying to reach the XXXX XXXX XXXX named XXXX XXXX, whom had the wire sent from my account at XXXX XXXX to help me resolve this huge mess. 
I have completed a prior payoff and title request with the original loan paperwork which had this address and my fathers address as a mailing address from the auto dealer named XXXX XXXX XXXX XXXX on XXXX in XXXX Colorado. 
Additionally, the agent at Santander Consumer USA refused to send the title to me, as they have never corrected my date of birth nor acknowledged my drivers license, I sent from the dealership input my date of birth incorrectly at point of sale at XXXX XXXX XXXX In XXXX, Colorado. Also, I have been falsely reported to the three credit bureaus for late payments when I have not missed any and I have been forced placed into 3rd party service contracts and auto warranties from both Santander and XXXX XXXX XXXX in XXXX Colorado.
Product: Debt collection

IN VIOLATION OF TCPA AND FCRA AND FDCPA. ( ATTACHED LIST )
Product: Credit card

I have requested that Total Card Inc. send a contract bearing my signature or remove the fraudulent account from my credit file.
Product: Debt collection

I called in today to the Creditors Bureau USA A Professional Debt Collection Agency located at XXXX XXXX XXXX, XXXX, CA XXXX. They are claiming a balance billing I don't believe I even owe, but it is for {$30.00} so I planned to pay it. When trying to pay with an XXXX debit card they informed me that they charge a {$5.00} processing/convenience fee. Per my understanding this is a violation of the FDCPA. And beyond that is exorbitant given the bill total.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I ask for a fraud alert to be placed because someone with a women name and in Florida was using my info for credit. Now on XX/XX/XXXX happened once again but this time someone named XXXX XXXX, and with a residence in XXXX!!! I live and have lived in XXXX  and have XXXX  ID and driving license ONLY. Apparently the 3 major bureaus are not doing their job properly and people are still committing fraud, using someone elses personal info and getting whatever their intentions are. 
I kindly demand to Experian XXXX inquiries, XXXX XXXX inquiries and XXXX XXXX inquiries, to remove the all those unauthorized and fraudulent inquiries that I never did and when the fraud alert was in place.
Product: Payday loan, title loan, or personal loan

Since XXXX I have paid OneMain Financial {$1200.00} in interest fees. 

I have only paid {$370.00} towards my principal. 

Previously, around {$60.00} had been going toward my principal the past 2 months, only around {$30.00}. 

Is there not some sort of pay structure these companies have to follow? 

Can they just put whatever they want towards the interest/principal? 

I called them and told them they were going to have to lower my interest or come get my truck. Their reply was " we don't come get your vehicle, we're not in the used car business we'll just sue you for the money. ''
Product: Credit reporting or other personal consumer reports

XXXX has not updated my credit score since XX/XX/XXXX. I don't undrr why XXXX and XXXX has updated my balance Transition still have me with high credit card balances when they have been paid down. I need my credit score and credit report. Their inaccurate information is causing me to be declined for apartments
Product: Debt collection

The main reasons for my complaint are described in the fourth and fifth paragraphs below. 

On XX/XX/2018, I received a letter, dated XX/XX/18, from Jonathan Neil & Associates , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX, telling me I had seven business days to respond to the letter or they " may request SUSPENSION OF YOUR DRIVER 'S LICENSE, and also REMOVAL OF YOUR VEHICLE LICENSE PLATE REGISTRATION .... '' The letter also indicated an auto-insurer 's claim number and an amount of damages. The contact person listed was XXXX XXXX, at extension XXXX. The letter I received concerns an automobile accident in which I was involved in XXXX of this year. The matter was resolved by my auto-insurance company. I do not owe any money to anyone from this incident. 

Later on XX/XX/XXXX I faxed a copy of the letter to my auto-insurance company. On Monday, XX/XX/XXXX, my insurance company emailed me a copy of a letter that they had faxed and mailed to Jonathan Neil & Associates asking them not to contact me anymore and to contact them if they continued to have any concerns. 

Also on XX/XX/XXXX, I received a voicemail at my home at XXXX XXXX   from XXXX XXXX telling me it was " imperative '' that I call him before the end of the day about an important matter. The number he left for me to call was XXXX, extension XXXX. 

The main reason for my complaint is that also on XX/XX/XXXX I received  an email from my elderly mother-in-law who lives on the opposite side of the country from me. In that email and a subsequent phone call, she told me she had been awakened from a nap by a phone call from a man who I assume was Mr. XXXX, asking to speak with me. She said I wasn't there. He asked her for my cell-phone number. She said she didn't have it. When she asked him what the call was about, he said it was a " private '' or " personal '' matter. ( She's not sure which of those words he used. ) He asked her to tell me to call him " today. '' She doesn't have the name of the person who called, but the number and extension he left with her match those of XXXX XXXX that were left on my home voicemail that day. 

I do not know how Mr. XXXX found a connection between me and my mother-in-law and then found her phone number, but I assume it was through some internet sleuthing. I am furious that he called her at all, and that he disturbed her rest, and that he caused her worry. She had no knowledge of the incident about which he was trying to contact me. He never should have contacted her. 

To top it off, on XX/XX/XXXX I received another letter from Mr. XXXX, dated XX/XX/18, identical to the one he sent on XX/XX/XXXX and containing the same threats about my driver 's license and license plates.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have received my credit report from XXXX, XXXX, and Experian. I have contacted XXXX XXXX and XXXX XXXX numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and Experian bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
Product: Debt collection

Dear CFPB I was trying to modify my mortgage loan with Chase Bank,, this issue dragged for almost three years. 
Bank declined after many exhausting attempts. always, overqualified, under qualified. etc. 
They proposed an alternative. Reinstate the loan, or do a short sale. 
in effort to reinstate the loan, I went through a costly expenses since I had to bring the property up to code, and really upgrade the house condition in order to put it on the market. ( I will attached MLS page ) all savings dried out. give notice to 18 years tenants to move, etc. 
costly, for sure. but ; I only way to reinstate the loan with back interest, attorneys fees etc. properties do not sell as quick as we want. reason why I said fine, let 's put property for sale as Short Sale, which ever action takes place first is going to be. since short sale is less harmful then foreclosure. 
We accepted a buyer willing and able to purchase this property, send offer to the bank. 
most work done, my other property already on the market, and Chase decided to put the property on Foreclosure, in the low 300,000 it was not sold at auction, is now returned to the bank. is unreasonable. 

I want to keep my property after all efforts and expenses. please, help.
Product: Debt or credit management

I was seeking debt assistance but still did not receive the services requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase a Mattress through Mattress Firm on XX/XX/XXXX XXXX XXXX location XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USA Phone : XXXX I was told by a Mattress Firm representative that Synchrony Bank would mail me account information to be able to make payments. It is XX/XX/2021and Synchrony has failed to send me account information so I am able to make payments. I have called customer service a total of 4 times to try to resolve the issue. However, the issue persists and it has not been rectified. I tried making a payment with customer service and they wouldn't take my payment, they also wouldn't send me to account information via E form or pdf. The issue at hand is that they have failed to send me correspondence with my account information on 3 different occasions. Moreover, I requested a supervisor and requested the credit card/ account information be sent out to me via certified and priority mail so I am able to track the mail and they told me they weren't able to do that. Every 7-10 business day period I have called them informing them they have failed to send me account information. I expressed to Synchrony Bank that I have received mail from Mattress Firm and that's the same information that has been provided to Synchrony Bank. Synchrony provided me a time frame to wait for a " new card/ account # ''. I am supposed to be making a payment every month, and this is being reported to the XXXX, this is interfering with my livelihood and I have tried to resolve the issue with the company on various occasions, which are preventing me from following through with my contract. Synchrony Bank is breaching our financing contract.
Product: Debt collection

I have filed a dispute through XXXX Credit Company. The company, Portfolio have not replied. This company is working for XXXX XXXX. While I wait for them, the wrong information they put on my file is still in my file. 

I also have inquires in my account that I will imagine is related to this people. 

I have two credit inquires that they need to take out of my account. I am a victim of credit card fraud. I have also filed an FTC report. 

Just wondering what gave this people permission to put this false information in my file.