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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Mortgage

1. Wells Fargo continues to act in bad faith by charging me in the Payoff Statement their duplicated negligent payment of {$720.00} Hazard Insurance ( HI ) to XXXX. I'm already paying this XXXX HI amount directly to them. 

Can you enforce Wells Fargo to remove this {$720.00} amount and adjust my payoff amount? 

2. The Payoff Statement charges {$190.00} for recording fees but XXXX XXXX County Registrar charges {$15.00}, for decades, including 2019! Nearly all banks charge between $ XXXX- {$20.00} bucks. 

Can you ask WF to to charge the typical fee charged by most banks? They are gouging me! 

3. Can this be resolved by XX/XX/XXXX as this is the last day to payoff my house?? 

thank you CFPB!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing on my credit report for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

New Balance {$37000.00} Minimum Payment Due {$740.00} Payment Due Date XX/XX/2020.
Product: Credit reporting or other personal consumer reports

On XXXX I received approval for a personal loan of {$20000.00} and they would take monthly payment from my checking account, but they did not do, for XXXX months and my credit dropped more than XXXX points, thus harming me I request that they should solve that problem
Product: Debt collection

The below company, National Recovery Agency, on behalf of XXXX XXXX, has been harassing me for years. XXXX XXXX is just bouncing this around to different recovery agencies to try and collect from me what was a worker 's compensation claim. I've provided many times the worker 's compensation insurance information but they do not seem to want to file for reimbursement but continue to harass me. 

As of XX/XX/2023, they have reported me to the credit reporting agency as a major delinquency, which is affecting my excellent credit. I need them to remove the negative credit report and stop harassing me. If they want their money, they need to submit to the worker 's compensation insurance I have provided to them many times. 

Important message about your XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX National Recovery Agency is a debt collector attempting to collect the debt you owe to the creditor listed in this communication. We will use any information obtained from you to help collect the debt. 

Your account is still outstanding. Your immediate response to this correspondence will allow us to help you resolve this matter. 

Original Creditor : XXXXXXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX : {$1900.00} National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX XXXX Email XXXX www.nationalrecovery.com A Responsible Revenue Recovery Company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I received a notice from Experian that they would no longer be investigating 7 accounts that are incorrectly being reported on my credit report. According to XXXX, XXXX XXXX  is being listed as holding seven accounts of mine. After repeatedly asking both XXXX and ALL THREE of the credit bureaus for proof that a relationship between myself and XXXX XXXX   existed, no one responded. Finally, on XX/XX/2019, I received a response from XXXX XXXX  claiming that they were unable to identify the accounts being disputed. I sent this letter to all three bureaus, yet, no action to remove these wrong, negative accounts occurred. I then called XXXX XXXX  who confirmed that they had no idea what I was talking about, and referred me back to the bureaus. Although Experian brought this to my attention, Experian, XXXX and XXXX are all reporting this incorrectly. Attached are the following documents : 1. The dispute letter asking for validation or signed agreement between XXXX and myself. 
2. Their response, informing me that they were not able to identify the accounts being disputed. 
3. The list of all seven accounts on XXXX, clearly showing that XXXX XXXX is reporting this information. 
4. Another shot from XXXX showing that they are reporting late payments, despite me never having a debt to them.
Product: Mortgage

Not sure if this complaint is applicable to this bureau, but here it is. 

I don't recall receiving a mailed Form 1098 from my fifth third bank mortgage account. 
The account is a joint mortgage account between my brother and me, who file taxes separately. 

I made an online account and used it to pay the mortgage throughout the year. When setting it up I requested online document delivery. I have received online bank statements throughout the year. 

Now, when I am trying to access my tax documents they are not visible. I reached out to support and requested the 1098 form on XX/XX/2021. They advised that it is a joint account and I am not the primary holder so I will not get access to them. I believe their deadline to mail or give electronically is XX/XX/2021. I need access to my tax documents to file taxes, hopefully they will supply them before the deadline.
Product: Checking or savings account

Ally Bank has not paid me a promised {$200.00} bonus for which I qualified, so I am asking CFPB for assistance. 

In XXXX  2023, Ally Bank offered a bonus of {$200.00} using the promo code XXXX for opening and funding a new XXXX ACCOUNT. 

As I previously had a XXXX  account with Ally, I called its customer service to confirm if I would be eligible for this bonus offer. I had never before had a spending account with Ally. A customer service agent confirmed that I would indeed be eligible for the {$200.00} spending bonus and encouraged me to sign up for the offer, which I did on XX/XX/XXXX. 

I changed my direct deposit to Ally Bank and deposited more than the required {$1500.00} direct deposit ( {$1700.00} on XX/XX/XXXX ) well within 90 days from the time I opened the account, per the requirements of the bonus offer. The bonus of {$200.00} should have posted to my account within 30 days of that direct deposit, or by XX/XX/XXXX, but it never appeared. 

On XX/XX/XXXX, I called Ally Bank and spoke to a customer service agent named XXXX about this issue. It became clear from this conversation that either Ally customer service agents are not well trained about this offer or are intentionally evasive in order to get customers to give up what is owed to them. First, XXXX claimed my account was not in good standing, which disqualified me for the bonus. This was not true as my account was open with a balance and the account had never been overdrawn. Secondly, XXXX claimed I had to have kept the entire direct deposit in the account to earn the {$200.00} bonus. But the requirements ( see attached ) clearly do not state that, I countered. Thirdly, XXXX said I had previously had a XXXX  account ( since closed ) with Ally, so I was not a new customer. I informed him that the requirements specifically state disqualification for the bonus only if an applicant had a XXXX  ACCOUNT previously, which I had not. He read the conditions of the bonus and agreed I should have received the {$200.00} bonus. He promised to manually escalate my request to a supervisor and that I should receive the {$200.00} within XXXX business days. It has been XXXX weeks since that conversation, but the {$200.00} bonus has not been credited to my account. 

This is clearly a case of bait and switch so that Ally Bank gains more clients and deposits without paying out the bonus they advertised. This is a particularly egregious offense as I am a XXXX XXXX. Will you please help me with my complaint to Ally Bank so that my {$200.00} bonus is paid to my account? Thank you.
Product: Mortgage

I have a home mortgage with Ocwen Loan Servicing, LLC.They have been charging me a usurious interest rate in the amount of {$7000.00} ( for one month ) since 2010.They will not explain this nor will they correct it.I think this is illegal and I want it taken off my loan amount and I do not want it to effect my credit.
Product: Credit card

I have had several credit cards with synchrony bank for the past XXXX  years or more. I have never been late, paid statement balances on most of the cards. On a couple of the cards I used for my business. On XXXX the XXXX of 2024 they decided to close all of my accounts for no reason, putting my business in a financial hardship. And will make my credit score suffer tremendous. XXXX of the cards was a cashback card, which i had money to redeem, they took all of the reward money back. I called them and they could not give me any reason why they closed my accounts. I have a perfect payment history. I have never been late or defaulted on any of my cards.
Product: Vehicle loan or lease

EXETER FIN Account XXXX Please take a look at this account reporting to all XXXX credit agency. Car was a total loss due to car accident in XX/XX/year>. Debit is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Experian hindering/obstructing investigation of illegal Hard Inquiry on Credit Report Dear Sir or Madam : In XX/XX/2019, I received a copy of my FICO Score from XXXX XXXX which showed that my score had dropped to XXXX from a lower XXXX range. As you know XXXX is the highest FICO score. I was most curious about this, as I had not opened any new accounts nor made any major purchases. 

I contacted Experian and found to my surprise that there was a Hard Inquiry on my credit report, from a firm called XXXX , XXXX at XXXX XXXX XXXX XXXX, # XXXX, XXXX NC XXXX. Their inquiry was on XX/XX/2019. I have had no dealings with such a firm and would like to know how they acquired my name and address and why they were curious about my credit. See attachment, XXXX XXXX NC inquiry. 

The sentence above their address says when applying for credit or financing as a result of a collection this Hard Inquiry will appear on your credit report. I have never had any collection proceedings in my life and I knew immediately that someone had accessed my credit report illegally. If I had a collection, I would not have a FICO score in the XXXX range which I have had for years. The Fair Credit Reporting Act prohibits accessing someones credit report without their permission and it is a federal offense punishable by fines. Normally only an employer or a landlord would do this, and I have neither. I need to find out who did this. 

In speaking with Experian, they said I had to contact XXXX, to find out why they did this. I wrote to XXXX, XXXX in XXXX NC ( letter attached ) and also called them two or three times but they never responded to the letter or the phone calls. It makes me think their location is an empty office with a phone. 

I then contacted XXXX XXXX XXXX of the XXXX Law Firm in XXXX MD to see if he could make any headway finding out who put this hard inquiry on my credit report. He has also found Experian to be most uncooperative in helping us find the name of a person at XXXX who put this inquiry on my credit account. ( See letter from XXXX XXXX at Experian ). We are just going around in circles with them. There are no judgements against me now, nor have there ever been, nor collections against me. XXXX XXXX just referred us back to XXXX and they do not respond. 

Experian has to have some document or documentation from XXXX, XXXX or the name of the person at XXXX and their personal contact number who submitted this hard inquiry for my credit report. I can not believe they just would accept a credit inquiry anonymously or without some proof of the need of such a credit inquiry. If this were so, anyone could do this to someone else. Their failure to assist us in this investigation of a Federal offense is alarming. XXXX XXXX has also tried to speak with XXXX XXXX by phone but she did not return his call.
Product: Checking or savings account

On or around XX/XX/2022 I applied for membership to Navy Federal Credit Union. On the very next day I received an email requesting verification with a link to submit the verifications. The link to submit did not work even days later and other computer systems later, so I called them and was informed of a new link. I submitted the verification documents as requested on the XXXX and I received an email of denial on XX/XX/XXXX and their explanation was that the denial was based on the information submitted. So I decided to be extremely thorough with my next application. Made sure everything was sufficient and triple checked for accuracy. I submitted my second application with them that same night. Figuring that a passport and insurance documents did not meet their standards I decided to submit my drivers license and registration. On XX/XX/2022 I received an email from their credit union stating that they had received my documents and once approved, I will be receiving my membership documents within 10 business days. I applied the first time and got a decision within the first week of applying so on XX/XX/2022 I contacted them to inquire about my application status and to verify if something else was needed to be submitted. I was informed by their representative that they had all the information they needed to complete my application process and that they will be emailing me within a couple days with next steps. By XX/XX/2022 I still had not received any communication from Navy Federal so I contacted them again to re-check my status and to make sure there was nothing more needed to make the process a success. I was informed again that they apologized, there was nothing more to send and I should be receiving an email with membership details within a day or two. On XX/XX/2022 today, I still have not received any information regarding my application so I contact Navy Federal again to find out my status. After being on hold for 20 minutes and leading me on for weeks they come back and tell me I was denied again. I asked to speak with someone to explain to me what could have possibly went wrong when I just was told in my prior conversation with them that everything regarding my application and applying was everything they needed to finalize my application process. Not only did they deny me but they refused to give me a reason or send me an email related to my application status. I am left under the impression that they have met their secret membership quota of my XXXX XXXXXXXX and that is the reason I was denied since their is no other explanation given. I reserve the right to know why I was denied especially since I made sure several times that the application was as accurate as possible.
Product: Bank account or service

A EFT was taken out of my M and T bank account in the amount of XXXX on XXXX XXXX, 2015 by XXXX XXXX XXXX. I called the bank on XXXX/XXXX/15 to have the payment deauthorized. I was refused and told M and T that I could ONLY file a dispute. I filed a dispute. I was denied. I called XXXX XXXX XXXX and they spoke to the bank after speaking to XXXX supervisors I was turned away again. I was advised that I had up to XXXX days to deauthorize any payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XX/XX/XXXXhas me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion regarding their handling of a credit inquiry dispute I initiated with their agency, as they have failed to address the issue adequately. 
On XX/XX/XXXX, I submitted a dispute letter to Transunion in which I sought to challenge the accuracy of the inquiry that appeared on my credit report. I sent a second letter on XX/XX/XXXX to dispute this error. The inquiry listed below, is associated with a credit account that I did not apply for : XXXX XXXX on XX/XX/XXXX Despite providing clear and detailed information regarding these disputed inquiries, Transunion has not taken the necessary steps to investigate and correct this issue. Under the Fair Credit Reporting Act ( FCRA ), I have a right to ensure that the information reported on my credit file is accurate and up to date. I have attached a copy of the XXXX dispute letters I sent to Transunion, as well as their response and certified mail receipts to demonstrate my effort to engage in a good faith resolution of this dispute.
Product: Student loan

I have disputed this loan and I am still currently A student. I attend college and can not pay off my student loans
Product: Credit reporting or other personal consumer reports

I have several Barclays accounts. All paid, never late. All are closed. But one account is showing closed because of bankruptcy, which is not the case. I do not have a bankruptcy and there is no listing of a bankruptcy on any of my credit profiles. I asked thru multiple phone calls and send letter, even handwritten to please remove this and provide verification. I constantly get that is it verified and that they will no longer investigate this issues. 

Barclays Bank Account : XXXX Last Updated : XX/XX/XXXX Contact info Address : XXXX XXXX XXXX XXXX, DE XXXX Phone number : ( XXXX ) XXXX Date opened : XX/XX/XXXX Credit limit : {$3600.00}
Product: Mortgage

On XX/XX/2024, I set up an extra principal payment on my mortgage, in the amount of {$5000.00}. Instead, Mr. Cooper mortgage company applied {$1500.00} to my regular monthly payment and only {$3400.00} to my extra principal. A week later, they withdrew my pre-scheduled regular monthly payment in the amount of {$1500.00}, + the {$300.00} extra principal that goes with that regular payment. 

I have contacted the company 4-5 times for a resolution, and each time they say it will be fixed, but it never gets credited as the full {$5000.00} for extra principal payment on my mortgage. I feel like I've been forced to pay a double payment.
Product: Checking or savings account

Ally Bank erroneously processed a check that was supposed to go into my Ally Invest IRA. It was a 401 ( k ) rollover check. Now they've returned my funds to me and they're in my personal checking account ( at Ally Bank ), but it looks like I could be hit with taxes ( and maybe penalties ) even if I transfer the funds into my IRA. I'm trying to get them to help me -- I've laid out steps they can take to help me show the IRS what happened -- but they're just ignoring me. 



I'm attaching a letter I submitted to Ally Bank on XX/XX/XXXX that lays out all the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint against LexisNexis for inaccurate information they have been providing to insurance companies. Please see report # XXXX. 

LexisNexis responded timely on XX/XX/XXXX. In their response LexisNexis claimed all the disputed information has been deleted. However, the updated report continued to contain the same information LexisNexis claimed was removed. ( see attachments ) " LexisNexis removed said claims fromXXXX XXXX XXXX XXXX . Auto insurance report. '' ( see attachments ). 

So either, LexisNexis never followed through and removed this information or LexisNexis never followed through and mailed me an UPDATED report. either way, LexisNexis never completed what they claimed to have completed. 
I have attached the letter LexisNexis sent to me along with the updated report. I highlighted a few examples whereas, an auto claim would contain my name but NOT me drivers license. The drivers license on most of the claims are from a family member.