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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, MERCEDES-BENZ FINANC and XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

On XX/XX/2022 I was monitoring my credit and I see companies reporting inaccuracies on my credit profile, cause my scores to stay low and making things difficult for me. Also the companies haven't responded to me regarding my dispute letters. Credit card identity identity XXXX XXXX And ARS account resolution ( medical collections )
Product: Credit reporting or other personal consumer reports

Upon checking my credit i have serval inquires that i didnt authorize i would really like for them to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated my credit report to show this account is removed as stated in the response. XXXX XXXX is the absolute worst, due to this unnecessary false information they've refused to remove from my credit report I've filed a lawsuit against their company. Experian and XXXX XXXX received the required affidavit, Experian DID NOT send any information in the mail regarding this disputed account. XXXX XXXX DID NOT complete and investigations nor send the requested information they claim as verified to my lawyer. No one should have to go through this and we are going to make sure better verification protocols are put in place during this lawsuit. 

Experian REMOVE this account.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 there was a collection account put on my credit report. This account is fraud. I have never heard of this company before. 

The account in reference is : Account # XXXX. XXXX XXXX XXXX, from originated creditor XXXX XXXX XXXX XXXX This company has a history of fraudulent claims. I am a victim of identity theft and fraud.
Product: Consumer Loan

I obtained a loan through Exeter Finance Corporation on XXXX/XXXX/XXXX. The original principal was XXXX, APR 25.02 %, monthly payment of XXXX, due the XXXX of each month. Before making my first payment I created an online account. After making my first payment on XXXX/XXXX/XXXX, I was no longer able to log into my account and could only rely on the paper bill statements I received each month in the mail. I just gained access to my account yesterday ( XXXX/XXXX/XXXX ) after mentioning the consideration of filing a complaint with CFPB. The statement generated on XXXX/XXXX/XXXX stated a balance of XXXX ; however, when I was able to log onto my account yesterday, my balance was at XXXX ( this was before my payment for XXXX posted ). Today ( XXXX/XXXX/XXXX ), after my XXXX payment posted, my balance is now XXXX. While speaking with a manager in the customer service department today is was provided a verbal explanation of the allocation of my principal and interest, from each payment starting on XXXX/XXXX/XXXX, and is as follows : XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX. Total Interest paid to date:XXXX, total principal applied to date:XXXX. According to my calculations, XXXX should have been applied to the principal balance to date, additionally, I do not understand the amortization of the loan, as it is inconsistent. Once the customer service manager took a look at my account and tried to explain the discrepancy, she put me on hold, then came back on the line and said she was sending my account to a specialist to further evaluate it. Her actions made me feel as if she was trying to avoid any more contact with me during the call to protect the company, and give them time to cover up what they are doing. I am a compliance assessor for a mortgage lender, and work every day to make sure all consumers are treated fairly. Having experience in assessing files in the financial industry, i can tell when something is n't right. The customer service department does not willingly provide information, as if they are under pressure by senior management to keep their business practices quiet. Again, once I made them aware of my experience, and that i was going to file a complaint with the CFPB ; I gained access to my account online for the first time in 6 months ( after attempting to do so multiple times ), and my account balance changed 2 times in 2 days, once before payment was made and after once after payment was made but both changes occurred after the mention of CFPB. The corporate office is also impossible to get in touch with. I have left a voicemail at he corporate office and have yet to receive a response. If they are improperly allocating my funds, then they are doing it to other people as well. Exeter Finance Corp is located in XXXX, TX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happen to apply for credit last week- the week of XX/XX/2022. Instead of getting the instant answer I expected I instead got a denial letter with the reason being that I had no Credit Score? This was surprising because I have a credit score and have bank accounts as well as credit cards that have low balances. 

Later that same week I tried to open a Checking account with Bank of America here where I live in XXXXXXXX XXXX  I have had a checking account at my old bank in XXXX XXXX for over 15 years where my Social Security Direct Deposit goes along with a pension check. When I went to open the checking account in XXXXXXXX XXXX with Bank of America that asked for my ID info. I also showed the staff my Checks from the XXXX account and a Credit card along with my Drivers License from XXXX XXXX. After a couple of minutes the young lady at the bank suddenly Gasoed out loud and told me I came up as Deceased?? I told her that I was clearly not since I was sitting in front of her with numerous pieces of ID. She indicated that she could not open the account at this time but would take my phone number and call me. Neither she nor anyone at Bank of America called me. After having this happen I investigated further by obtaining my Free Credit reports from all three major credit reporting agencies. I was able to get XXXX XXXX XXXX but ran into a proble with XXXX. I did not get the free credit report but was directed to contact them ASAP. I did not call. This error of having me listed as Deceased cause me to not be able to get credit where I wanted too and also prevented me from even opening a checking account. I did suffer real ha from this error.
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX XXXX XXXX XXXX NOTICED MULTIPLE HARD INQUIRES ON MY CREDIT REPORT THAT WERE NOT AUTHORIZED BY ME, I ASK THAT THEY BE REMOVED IMMEDIATELY TO CORRECT MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter of verification to TransUnion asking how did they verify my bankruptcy, they stated through the court I contacted the court at the address that was provided to me by TransUnion. The court sent me back a letter stating that they do not provide information to credit reporting agencies. I in return sent a copy of the court letter back to TransUnion, letting them know that their original response with verifying the item with the court was either an error or a lie and requested that the item be deleted according to FCRA s611 ( 15.U.S.C S 1681l ) TransUnion sent me back a letter stating the item was already disputed and verified again through the court. They completely disregarded the my letter and the letter from the court. The item was not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is consistently dropping my score and incorrectly reporting the wrong credit score. 

Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by XXXX points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by XXXX points for no reason. 

Transunion is also inconsistent with XXXX and XXXX. 
All 3 credit bureaus are inconsistent with each other, how can this be? 
Please help!
Product: Mortgage

I paid off my mortgage on XX/XX/scrub>/2024. At that time I was told that my insurance premium had already been paid on XX/XX/year>2024. On XXXX/XXXX/2024 I was sent a letter by my insurance company stating my policy was being canceled due to non-payment. I spoke to my insurance company and was told to call my mortgage company. I called my mortgage company on XX/XX/scrub>/2024. I was told the money had been sent but the check had not been cashed. When they stopped payment on the check my mortgage had already been paid off and there was no escrow account to deposit the insurance money to. I have called approximately 10 times since XXXX/XXXX/2024. Each time I have been told that a ticket has been opened and that I would receive a follow up call. The last call was on XX/XX/year>2024. I still have not received my remaining balance of my escrow. My mortgage was closed on XXXX/XXXX/2024 and M & T Bank mortgage has still not refunded me the remaining {$1900.00}. I need assistance resolving this issue as every attempt I have made has not worked and they continue to delay my refund.
Product: Debt collection

About XXXX years ago I was on XXXX XXXX in the XXXX XXXX. I XXXX  for 6 years and received a signing bonus of $ XXXX, tax free due to being XXXX  on XXXX. 

A little under two years later I was XXXX XXXX XXXX XXXX, civilian court, and sentenced to XXXX  for XXXX. I was separated from the XXXX during that time. 

I was expecting to have to pay back a prorated amount of that bonus since I didn't finish the contract I signed. 

But I never heard anything from the XXXX XXXX XXXX Fast forward to a few weeks ago and a debt of {$26000.00} shows up on my credit report. I started making phone calls and doing some research. 

The Department of Defense turned the debt over to the Department of the Treasury. They added {$13000.00} in fees, bringing the total debt to {$39000.00}. Then the debt was turned over to Pioneer Credit Recovery and they added more fees, bring the current total to $ XXXX. And my employer got a wage garnishment notice, which they are not acting on since I have been out of work due to injury since XXXX XX/XX/year>. I spoke to the collection agency and they are fixed on the $ XXXX, and are not interested in negotiating at all. 

I was never notified of this debt. 

I'm not disputing the original debt at all, I owe the initial $ XXXX. And I can pay that with cash from my retirement account. 

The only payment plan they're willing to work with me on results in a {$1500.00} per month payment. I only bring home about {$4000.00} per month, while living in a high XXXX XXXX I can not afford that payment. And I certainly can't afford the {$950.00} per month, the amount they want to garnish my wages. The next step after wage garnishment is a law suite , according to them. 

I have received absolutely no documentation for any of this. All the information I have is from speaking to XXXX, Dept of Treasury and the collections agency. 

XXXX XXXX XXXX XXXX.
Product: Mortgage

After a year of having my mortgage with Ditech, it was sold to another service provider for a period of only two months and then Ditech bought the mortgage back in XXXX of XXXX. My first payment due date was XXXX XXXX, XXXX. I mailed my payment on XXXX/XXXX/XXXX and Ditech received the payment and the check cleared my bank on XXXX/XXXX/XXXX. The last week of XXXX I received a call stating that my payment was late. After speaking to a representative ( XXXX in XXXX XXXX ), she noted that Ditech did in fact receive the payment, but it was not applied to my account for an unknown reason. She then advised me that when my XXXX statement arrived showing the past due amount, that I should only pay one payment and that she would insure that my XXXX payment was credited to my account. On XXXX XXXX, I received a voicemail from XXXX again, stating that the XXXX payment was indeed past due and I should contact Ditech. When I called ( speaking to another representative ), I was told that the check that cleared my bank on XXXX/XXXX/XXXX had been refunded to me on XXXX/XXXX/XXXX. When I asked why, I was told she was n't sure. As of the date of this letter XXXX/XXXX/XXXX, I have not received any check. To make matters worse, I was told that in order to keep my account in good standing, I was to make the XXXX payment again or risk becoming delinquent. I did so by phone and have a confirmation number for that payment. Against my better judgement, I did this to protect my wife 's and my good credit. My XXXX payment was due on XXXX/XXXX/XXXX and again, against my better judgement, I mailed this payment by check on XXXX/XXXX/XXXX, in fear that the payment from XXXX/XXXX/XXXX would not be credited to my account. As I business owner, I understand that accounting errors can occur, but every time I have contacted this company, I have not received a straight answer where my first XXXX payment is. The answers have been from 4 different representatives : 1 ) It will be credited to your account, 2 ) It was refunded by check on XXXX XXXX, 3 ) It was electronically transferred back to your account, 4 ) We do n't see a payment from you on XXXX/XXXX/XXXX. None of these items have occurred. I have copies of the cancelled check and it was deposited into Ditech 's account. Today, I went to my mortgage loan originator for his help. We jointly spent one hour on the phone with 4 different Ditech representatives and got different answers from each one. No solution was presented by any representative. We were sent to a voicemail of the 3rd supervisor of the day and never received a call back. This company has violated the terms of the mortgage agreement, while I have complied. This entire issue is an internal Ditech issue, but has quickly become my issue.
Product: Checking or savings account

On the day of XX/XX/22 between the hours of XXXX, I went to Chase Bank and used the ATM machine to withdraw {$1000.00} from my Business Checking Acct., The money never dispursed from the machine, but was instantly deducted from my account. I immediately went inside the bank to speak with a customer agent about the error that took place, the agent filed a claim with the Chase Corporate Claims department. A few days later my account was credited with {$1000.00} from Chase, then a week later my account was deducted {$1000.00} from Chase, bringing the issue back of me being ripped off {$1000.00} from Chase. I then called Corporate Claims and was told they found no errors with their ATM machine and the matter was closed, this left me irate and considered their actions on the matter unacceptable. I then went to Chase Bank in person and filed a formal complaint regarding the treatment to me by Chase Corporate Claims Dept. on an error created by Chase bank. The formal complaint was filed and i was told that the Chase Complaint Dept. would call me in 1-3 business days, I haven't heard from the Complaint Dept and its been 7 business days since the complaint was filed.
Product: Debt collection

I sent a debt validation to the collection company ( Diversified Consultant 's ) on XXXX/XXXX/2015 The company received the debt validation on XXXX/XXXX/2015. The company still has not responded to the debt validation received well over 3 months ago. The company still continues to update to the all XXXX credit reporting companies.
Product: Mortgage

I have had this mortgage for 10 years and never carried an escrow, I have paid all taxes and insurance on my own. In XXXX XXXX Ocwen attempted to collect insurance, after much hassle and phone calls I had to prove that I had a good policy with XXXX, Ocwen continued to insist that I had to pay insurance a year in advance. In XXXX XXXX Ocwen put an escrow onto my account without contacting me. My county offers a payment plan which I took advantage of, Ocwen decided to make all taxes due despite this. I received my check for tax payment back from Ocwen. After 8 phone calls I finally just paid all taxes and fees to avoid late payments and an escrow. At this time I was told that this " WOULD NEVER HAPPEN AGAIN ''. Two weeks later-it happened again. I called Ocwen and wa told that I had delinquent taxes, i was very concerned so I called my county tax office and confirmed that I did not have any delinquent taxes, nothing due until XX/XX/XXXX. I again called Ocwen and they insisted that the XXXX taxes were delinquent and I owed them another escrow in full. I was then transferred and was told they would " research '' and call me back-16 days later. I waited and was again told that they needed to research further and again told my taxes weer delinquent. Mind you, I had not even appraoched the due date yet. At this time I asked " what should I do? '' and was told, " do n't do anything, this is Ocwen 's error and we will fix the unfortunate situation ''. Weeks passed and I kept calling, same response each time. In the meantime I am incurring late fees, property inspection fees and certified mail fees. On one day I was charged 11 times for certified mail, another day 7 times. I have NEVER received even one certified letter! Multiple inspection fees on one day also. I have called almost 100 times, I have sent multiple letters and emails. Yet today, 5 months later XX/XX/XXXX, I am still being told that I had delinquent taxes and I have to send another letter requesting that my account is researched. I do n't know how to prove that XX/XX/XXXX comes before XX/XX/XXXX except to send Ocwen an American Calendar. I have even said-ok how much can I pay to resolve this? The reps refused to give me a dollar amount. They would not let me give in and fix this. Any internet search shows how historically deceptive Ocwen is. Why are they still allowed to be in the business of taking homes from hard working people?? I have been told by XXXX reps that no foreclosure proceedings would take place but again that was deceptive and they are now threatening foreclosure. Please help to rectify this very stressful problem. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$17000.00}.
Product: Debt collection

a statement that unless the consumer, within thirty days after the reciept of notice, disputes the validity of the debt 15usc1692g
Product: Prepaid card

I received an American Express Prepaid Gift Card for {$25.00} a few years ago for XXXX. I lost the card but found it recently and tried to use it. The card was declined everywhere, and it wouldn't allow me to check the balance online. Last night ( XX/XX/year> ) I called the number on the back of the card to inquire about the balance and was told that the funds were taken by the my state 's unclaimed funds department. My gift card is still well before the expiry date, so I don't know why the funds would be taken already. American Express refused to reissue me a new card.
Product: Checking or savings account

On Wednesday XX/XX/2019 at XXXX XXXX. I received a response to my support message from " Simple Support Bot '' which said : " Hello XXXX, Last night, there was a credit that was posted to your account for a recent dispute that was filed, and then it was shortly debited back. We're sorry if this caused you any confusion. 

This was due to an error within our systems that we are currently investigating and working to resolve as soon as possible. 

Someone from our Disputes team will be reaching out to you soon with an update on your case via a support message. 

Thanks for being a Simple customer. 

-Simple Support '' When I contacted Simple Customer Service XX/XX/2019 to find out details of this banking errors which deposited and debited funds into my account the man I spoke to was very rude and refused my request for a call back speak with a manager or supervisor. 

I feel this response from a " Simple support bot '' it's a misrepresentation and I would like to see the results of this detailed investigation into the error affected my account and my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Amount XXXX and now XXXX XXXX XXXX. 

XXXX XXXX Amount XXXX XXXX XXXX Hard inquiry XXXX XXXXXXXX XXXX Hard Inquiry These exact same collection and Hard Inquiry was on Transunion currently today they have been deleted and taking off to this day report never giving to XXXX or XXXX they continue to now follow law and also have it one amount to higher dollar amount. I was never informed. never consented, violating my rights to have accurate information and correct person to accounts which are not my accounts or belong to me. The collections arent truthfully which brings dishonest, false credit score for trying to make me have collections, inquiry that do not belong to me isnt accurate information. Very deceiving also violate Fair Credit Reporting Act and causing huge burden. 

These same things were deleted off with Transunion exact same inaccurate collections, hard inquiry if all taking off Transunion why XXXX and XXXX continue to hold false items on someone credit report that within itself sounds like fraud within these two bureaus if you go to check you will see how they are taking off Transunion but no other two bureaus. Inaccurate and do not belong to me XXXX and XXXX shouldnt make someone have to be responsible for something thats not accurate or belong to them and falsely added in first place.
Product: Payday loan, title loan, or personal loan

I have been paying off the loan for over 13 years. Paid off the loan already and now they are saying I owe them the same amount I originally started off with. The principal has not been barely touched.
Product: Mortgage

I use People 's United Bank for my home mortgage and pay extra towards my mortgage every month, typically about {$2000.00}. I was told by a branch Mortgage Officer that all extra payments would automatically go to my principal. I discovered a few months ago the extra payments were not going towards my principle. Peoples United Bank went retroactive for 6 months to correct the error, but that is it. I am continuing to pay extra monthly since I last addressed this issue with the bank but the payments are still not going towards my principle. I have called People 's United Bank several times now and have not received any return calls. There are no longer any local Mortgage Loan Officers since the merger with XXXX XXXX XXXX  that I can work with on resolving this issue.