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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone, whom I have no clue who, accessed my credentials and opened an account @ the PNC bank and received a loan from XXXX XXXX XXXX. Which I never requested or authorized this loan or account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/XXXX, Upstart Network Inc approved covid-19 related hardship assistance. They told me that I was approved and didnt need to make payments for 60 days. They also sent me a letter indicating that they wouldnt report my account as delinquent to the credit bureaus for being late. 
This company went ahead and reported my account as 60 days past due dropping my Fico score by 60 points. 
I tried multiple times ( 5 to be precise ) thinking it was a mistake and hoping they would remove this error. 
Upstart Network Inc refused to remove this delinquent reporting.

This has negatively affected my Credit and and iam unable to get favorable interest rates or i am getting denials even though I have made my payments on time since the loan inception.
Product: Mortgage

Good afternoon, To start I would like to summarize the issue please for clarification and so you may direct me in my goal. All we are looking for is to lower our payment to a more comfortable amount to secure our future payments. We are believing our lender gave us a predatory loan with low down payment to entrap us into a high interest mortgage XX/XX/XXXX. We received the loan from 21st. mortgage on a manufactured home. 

We have a paid off 1.47 acre plot of land in XXXX, Fl and the agreement was to use the land for the placement of the home in lieu of a larger down payment but we had to combine the land into the package!. We are looking for a way to refinance our manufactured home with FHA or lower interest 1. My current interest rate is 9 % on a {$100000.00} mortgage we are willing and able to continue but we need this debilitating interest rate to go down. 
2. I am highly convinced it was a predatory loan from the start.

3. I believe they were misleading us asking us to give our land as collateral and add it into the loan package we could get the loan for only {$500.00} down. 
( Our land value free and clear {$34000.00} at that time. ) 4 We still paid {$3500.00} ( was a hidden cost not disclosed to us until final closing days ) for the well to be completed. 
5.they made false promises to refinance and lower the interest rate after a few years. Now its 6 years 6.  They threaten to foreclose when I am 20 days late even during this Covid 19 emergency we feel is an unlawful act 7. I called and spoke with representatives behavior was belligerent, disrespectful and belittling to me. It was a great stress and left me feeling XXXX  that I may ever obtain a Humane interest rate. This leads one to believe the lender is lying in wait for you to default. 
8. I emailed them to make further arrangements and they blocked my message period. They were insisting for a call in to make a payment and again harass me ... basically.

9. I worked 30 years in XXXX, to help people. But you find little help for yourself later it seems Now  is XX/XX/XXXX and we made our XXXX payment but they are being inflexible and demanding for the XXXX mortgage by XX/XX/XXXX. 
As I felt trapped in this high interest mortgage we had no way to make an adjustment. Unless they stated " to be on time for 2 years ''. 

Any help is so appreciated Thank you
Product: Checking or savings account

On XX/XX/XXXX we were notified by a vendor that they never received payment for services. In looking at the canceled check ( dated XX/XX/2023, deposited XXXX ), she indicated that this was not her signature. I contacted Chase Bank and asked what to do for a claim. The claims department said that they would send a claim form ( which they didn't ). So I went to the branch on XX/XX/XXXX and got the forms then. Our Vendor is in a different state- so I scanned and emailed the forms that she needed to sign. She did receive and sign them- but didn't have a scanner, so she took photos of the forms. 

When I submitted these forms to claims at Chase - I had the branch fax them. Because this was both a forged endorsement and an improper endorsement - I checked both boxes then we received a letter dated XX/XX/XXXX from Chase saying they needed more information and the claim was closed. I called and was told that we couldn't check both boxes - because it is difficult for the vendor to sign and return Chase Claims told me that I could write her name and put " unable to sign '' on the signature line. Another letter dated XX/XX/XXXX same letter - called claims - unable to sign was not acceptable. So on XX/XX/XXXX, I received another signed and photographed copy of the form which I took to the Chase branch and had them email to claims ( claims said they get it faster that way rather than faxing ). 

Gave them a week or so to process and then called to see how the claim was doing- Chase said they didn't receive the email from the branch ( even though they knew who sent it ). Again I faxed the claim. Called on XX/XX/XXXX and was told that they had everything and it would take 60 - 90 days to resolve - even though this dates back to XXXX. 

Received a letter dated XX/XX/XXXX saying they needed more information and the claim was closed. Called on XX/XX/XXXX ( when we received the letter ) and was first told the 60-90 days. When I mentioned the letter- they checked, and now they can't read the faxes. The same faxes that they have received since XXXX. 

This is ridiculous- we needed to pay our vendor ( who is also a Chase customer ) but this run around from complaints is intolerable. I hope you can help.
Product: Credit card or prepaid card

Payment made on XX/XX/2023. Claims payment is on hold and review until XX/XX/2023. No payment takes 19 days to clear. Payments used to be updated same day. Payments each month exceed XXXX per month. 

Apple Card system is also buggy where it will have a long delay and double post payments which happened in XXXX and reported. 

Apple Card Support is non responsive.
Product: Credit card or prepaid card

We have a Home Depot Consumer credit card through Citi Bank. A few years ago I received a phone call about the card and they asked if I wanted to be set up for autopay and I did. XX/XX/XXXX I went on my Home Depot account online to pay the balance in full before the autopay was to come out on XX/XX/XXXX. The online balance on my account was {$730.00}, so I entered by new bank account information and paid it off. The phone autopay was set up to pay on our old bank account. On XX/XX/XXXX the autopay of {$28.00} was paid. On XX/XX/XXXX the payment was reversed because they tried to deduct it from the old bank account. I received an email XXXX XXXX that my Home Depot Statement was ready to view. Thinking this was odd since I had paid it off in XXXX and had not used the card I went to my online account and there was a balance of {$140.00}. I looked back to XXXX and saw my payment of XXXX and the XXXX payment and reversal. Looking at XXXX, XXXX, XXXX, and XXXX statements we had been charged late fees, interest and processing fees from the XXXX reversal. I called Citi to find out what was going on because I had paid the balance in full online. We were told that the online balance on XX/XX/XXXX was minus the autopay of XXXX that was set to pay on XX/XX/XXXX. We explained that seemed very deceitful and asked that all of the fees and interest be reversed and we would gladly pay the XXXX that we owe. The customer service rep apologized but said there was nothing they could do. We asked to speak to her supervisor, who offered to waive one of the late fees leaving us with a balance of XXXX. We then asked to speak to executive manager. He proceeded to tell us this was normal practice. We argued that we were set up on autopay on many cards, which we paid off online with no problems at all, even another Citi Card. The only resolution we asked for was for them to back out the fees, get it off our credit report and we would pay the XXXX and they would not accommodate. They said they would escalate to their corporate office, but there was nothing they could do. They also have our current bank account information on their website since XXXX. Apparently their autopay set up by phone is completely different than autopay set up online. We communicated to them we would be in contact with our states Attorney General.
Product: Payday loan, title loan, or personal loan

I am trying to apply for a business loan which goes solely by your business income and I have had and successfully paid several in the past. 

I have been being denied without any cause and I am writting this last complaint because I want to make sure this is for sure an issue of discrimination because I have now ruled out all the other possible reasons. 

I have applied numerous times and I have never even received a denial letter which is suspicious. I can prove with screen shots and video these things.
Product: Credit reporting or other personal consumer reports

I took a look at my personal info and noticed my name was spelled incorrectly and notices addressed that I was never associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. If CREDIT BUREAUS feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ; XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in violation of DODD FRANK ACT and several consumer protection laws, also federal and state laws.
Product: Credit reporting or other personal consumer reports

I have fallen victim to identity theft, and my personal information has been used fraudulently, leading to items appearing on my credit report that I have no connection to. Following the major credit bureaus guidance, I filed an FTC Identity Theft Report and submitted it along with the necessary documentation. Despite these efforts, the fraudulent items continue to remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud and I will like to freeze my report and remove all inaccurate information from my report. 

My Correct name is : XXXX XXXX XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

This collection agency is calling my employer and telling them I need to call them or they will arrange some sort of wage garnishment. I have called them back and learned that the date of birth and social security number they have do not match mine. They just have my first and last name and only my employer phone number which is easy to find since I am on google and am a professional in the community. I have had contact with them 3 times and each time have told them their information does not match mine and they are looking for the wrong person. I have told them to stop calling my employer and they have proceeded to call and continue to fish for information from the business office at my employer. I owe no debt and have an immaculate credit record and score and also a common name and I should not be subjected to harassment from a company that clearly has the wrong information.
Product: Debt collection

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX & XXXX of 2018 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 checked 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 or other personal consumer reports

This account need to be fix to report to say " paid '' not Derogatory Account status is saying Derogatory there no missed payments this is a error on this account needs to say payed this the second time i am reporting this there is a letter letter attached to this account stating this it is paid not late or Derogatory please fix this to say payed i have contacted Transunion to please fix this and and it seem like they ignore the fact the XXXX XXXX has sent a letter that it is saying a payed account please see the the attached letter with this complaint thank you XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed Overview You have 0 % left to pay on this loan. 

Balance {$0.00} Highest Balance $ 6000 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 60 months Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Derogatory Type XXXX XXXX  Responsibility Individual Remarks Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX
Product: Mortgage

XXXX XXXX XX/XX/18 Loan # XXXX XXXX XXXX XXXX XXXX Ca XXXX I would like to file a complaint on my mortgage Servicer FayServicing after being over two months delinquent on my mortgage loan I contacted my mortgage company Fay Servicing and spoke to my account manager XXXX XXXX, i explained my hardship situation to her, she told me the fact that I already had two modifications in 15 years I will not be eligible for any loss mitigation options, she stated the Deed-in-Lieu of foreclosure is more likely my only option, I refuse that option and ask her for a Loss Mitigation Application, after completing and return the mitigation application, I make it my duty to call my mortgage service Fay Servicing every few days speaking to different representatives asking for updates on the decision letter of my Application, as in when was it mailed, how long does it take, knowing time is of the essence, I finally receive the decision letter on XX/XX/18 I decided to appeal the Deed-in-Lieu offer, I imedeatley contacted Fay Servicing explaining the decision letter dated XX/XX/2018 and I just received it XX/XX/18 the representative advised me to still go ahead and email my appeal to my account manager XXXX XXXX at XXXX she also provide me with the appeal department email XXXX I emediatley send my appeal to both XXXX XXXX & appeals department, I also include in my appeal the date I received the letter, I called my account manager on that following Monday for an update on my appeal, she told me the fact that I received the letter after the fourteen days window my appeal will not be considered, I was upset telling her thats not fair treatment, if they didnt send the letter in a timely manner I shouldnt be denied to an appeal, I ask to speak to her supervisor XXXX who didnt provide me with a last name explaining the situation and asking her to investigate all my recorded calls regarding the decision letter, she was not helpful at all she told me its no need to appeal because the decision will be the same, I told her I dont care just dont take away my opinion to appeal, at the end of our conversation she told me she will investigate and let me know what she can do, Im not comfortable after our conversation, I dont believe its in her interest to investigate the situation for me to appeal. 
My mortgage server is FayServicing Contact # XXXX My account manager is  XXXX XXXX her contact # XXXX
Product: Credit card or prepaid card

Ironically I opened a credit building account with Bank of America in mid 2008 by them receiving a deposit from my account. Upon successfully completing the program before the end of the same year my deposit was to be returned to me. Bank of America claims that it did return my deposit by mail but to date I have not received said monies. I tried then to have the matter settled but they refused to accept responsibility for my deposit. Bank of America was and is unable to provide confirmation that the cheque was ever mailed, there was no registered slip, no return receipt.
Product: Debt collection

Calling me repeadetldy : called my Husband, left a message, called my daughter, left a message, called my son, left a message. I want this to stop.
Product: Checking or savings account

This is about the Citibank that I have account with. I have 2 Citibank credit cards and today I could not log in to my account since the password and everything has been changed. I called and talked to the representative and she said that I have a checking account with this bank, which I surely do not have. I think my information has been severely compromised and somebody is trying to take over my Citibank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX in which I defaulted on the loan. The loan was in collections & the company was in the process of obtaining a court ordered wage garnishment. I received a letter from the attorney representing XXXX XXXX with the outstanding balanced owed. Mailed them a money order for the amount requested yet they are still reporting a balance on my credit report. The balance owed was approximately {$740.00}. There should not be a balance owed on this account.
Product: Checking or savings account

XXXX XXXX dollars - XXXX XXXX - XX/XX/year>XXXX  This is a Bank of America account with about XXXX XXXX dollars, when I call they have no trace of my account and have told me there is nothing they can do about my money. Plz help me recover my money as I will pay you extra once we get the account back. The owner of the account is XXXX XXXX or my other name ( ( XXXX XXXX ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an error on my XXXX and Experian Credit reports who are reporting a bankruptcy that has been unverified. I requested numerous times for both agencies to verify this item, reinvestigate and to disclose the method of verification. I know they did not investigate this after numerous attempts to request an investigation. I sent a letter on XX/XX/XXXX to both credit reporting agencies requesting the methods of verification in which both listed XXXX XXXX. However, the credit bureaus neglected to contact XXXX XXXX although they stated that they did. I contact XXXX XXXX back on XX/XX/XXXX to request verification as well, and they replied that they were deleting this and updated my XXXX XXXX report so it no longer is reflecting a bankruptcy since it could not be verified. I responded to XXXX XXXX requesting that they disclose who they verify bankruptcies through, in which they replied that they use XXXX a third party reporting agency. This agency receives information from the courts, including the alleged court reporting a bankruptcy. The St Louis Bankruptcy Court stated they provide no information to any credit bureau or reporting agencies. I requested that the credit bureaus delete the bankruptcy being reported since they are still claiming that XXXX XXXX verified this public record, however I have provided copies of the letters that I received from XXXX XXXX that they confirmed they deleted the bankruptcy record and it is no longer on my file with them. They refuse stating they verified with XXXX XXXX still. However if they truly did then they would have found that XXXX XXXX is no longer reporting the unverified bankruptcy. Please investigate this matter so that I can have this unverified public record of a bankruptcy removed since it is damaging my credit report. The credit bureaus have failed to verify with XXXX XXXX after numerous requests, and copies of letter from XXXX XXXX that I have submitted to them have been neglected.
Product: Student loan

Is showing 90 days late XX/XX/2017 when was on deferment from XX/XX/2017 to XX/XX/2017 so a payment would not have been due so how can I be late? Also shows I paid XX/XX/2017 so how could I be 90 days late for XX/XX/2017?? This is keeping me from buying a house.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE LATE PAYMENTS BEING FURNISHED TO MY CREDIT REPORT. I HAVE NEVER BEEN LATE WITH THESE CREDITORS. 

I REQUESTED CONCRETE EVIDENCE OF THESE LATE PAYMENTS, WITH NO FORMAL RESPONSE. THESE LATE PAYMENTS ARE UNVERIFIABLE. FURNISHING THESE INACCURATE PAYMENTS ARE AFFECTING MY ABILITY TO OBTAIN CREDIT. LATE PAYMENTS ARE BEING FURNISHED DUE TO COMPUTATION, AND THE CREDITOR FAILING TO PROVIDE A STATEMENT 21 DAYS PRIOR TO THE DATE. NOT CORRECTING THIS IS IN VIOLATION OF 15 USC 1666B I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO FCRA, INFORMATION PERTAINING TO TRANSACTIONS AND CUSTOMER EXPERIENCES ARE TO BE EXCLUDED FROM THE CONSUMER REPORT. REPORTING THIS INFORMATION IS IN VIOLATION OF 15 USC 1681S-3 LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Product: Mortgage

Dear Representative, On X/X/2017 I called this servicer and spoke to : XXXX XXXX with no call backs concerning the Modification application submitted. Was told that it would be uploaded into their system and he would call back on X/X/2017 @ XXXX XXXX. Since then I have left several messages and no follow through by the servicer concerning this matter.
This is unethical and unprofessional. I need a call back soon. Also, need to know were to make the payments to them or XXXX XXXX XXXX. Who is servicing the account?
XXXX seems not to be aware of the account so we need to clear these issues up!
Respectfully yours, XXXX