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

I bought a property and had a lender. I set up XXXX because I run a rental business and can not focus on paying all my mortgages each month. However, my mortgage got sold to another company. Then I had to setup an account to do autopay. Unfortunately, the company would not let me set up autopay when I was just a few days late on a payment. The whole reason I could not set it up and was late because of the delays in setting up the account. So this was already stressful, like why can I not setup Autopay just because I am slightly late on the payment? Absolute nonsense. So what happened is the next month was an extremely busy and stressful time for me in managing my XXXX businesses. So what happened? My payment was missed because I could not setup the XXXX because I had to wait until the next month ... the whole system seemed to set me up for failure in actually paying my mortgage on time... the lender also did a very poor job in reaching out to me to inform me of the missed payment. They never called and left voicemails. They did send letters via XXXX at a time when they were heavily delayed and losing mail and I also had just moved. This company made no hesitation to report me to the credit bureaus at their earliest convenience after failing to email me or call me... just reaching out via snail mail which never reached me on time. I tried explaining this and pleading to remove this report and they refused. So someone who had an XXXX XXXX XXXX got knocked down to XXXX ... this was devastating as I was unable to refinance on one of my properties. This company has no moral fiber as far as I am concerned and the worst thing is I did not even choose the guys... it was simply sold by my lender without my say so. I know this is how the industry works but when things like this happen it really has major repercussions for the consumer, who is the most vulnerable. Anything you can do to help would be most greatly appreciated.
Product: Mortgage

On XX/XX/XXXX, I contacted Freedom Mortgage to schedule an inspection so funds can be released to our General Contractor ( GC ) so our rebuilding can continue. I was informed it will take 8-10 business days for the inspector to contact our GC to schedule the inspection and submit their report. 

The inspector never contacted our GC. 

On XX/XX/XXXX I emailed our Loss Draft Processor ( LDP ) of Freedom Mortgage, XXXX XXXX, regarding the delay. He replied that the inspector was still within the 10 business days timeframe. 

On XX/XX/XXXX, the 10th business day, I called Freedom Mortgage to inquire about the inspector never contacting our GC to schedule an inspection for the 2nd draw process. 

The Loss Draft Rep ( LDR ), XXXX, of Freedom Mortgage stated the inspector already submitted his/her report with pictures on XX/XX/XXXX. I informed the LDR XXXX that this was an error or falsified report as the inspector never contacted our GC to inspect the building site. 

I asked for escalation to upper management and LDR XXXX stated she has put in notes and management has 24 hours to respond. I had replied that I wanted a call by management by End of Business ( EOB ) XX/XX/XXXX. I informed her that since all calls were recorded they should have that on record. I have also asked to speak directly to our LDP, XXXX XXXX, and was told she could not transfer the call but placed me on hold to message him to call me. He never did. 

I sent follow up emails on XX/XX/XXXX and today, XX/XX/XXXX, to LDP XXXX XXXX and copied the Loss Draft Department. No response received. 

We have been displaced from our home since XXXX XXXX ( XX/XX/XXXX ) as our home was damaged, destroyed and deemed unsafe to live in by XXXX XXXX, FL. 

Our insurance company, XXXX, paid out our policy completely so that we could start the rebuild process. Our house had to be demolished and rebuilt from scratch. All funds were submitted to Freedom Mortgage. 

We have been paying both rental costs as XXXX as mortgage payments along with all other living expenses and bills. 

We have been compliant with everything Freedom Mortgage requested to ensure that the funds will be released to give to our GC to continue with the rebuild process. So far we have only received one draw payment {$17000.00} mid/late XX/XX/XXXX, after the first inspection in XX/XX/XXXX. 

Our GC was ready for the 2nd Inspection so I called Freedom Mortgage on XX/XX/XXXX to have the inspection ordered and I was again told that the inspector will call our GC directly to schedule ( as Freedom Mortgage has no control over the timeframe since the inspection is done by a 3rd party inspection company ). 

The inspector never called our GC to schedule the inspection. 

Our insurance company XXXX XXXX XXXX paid out our policy in its entirety ; yet, the one delaying our rebuild is the mortgage company, Freedom Mortgage. 

We have been displaced from our home over a year and 5 months now. We just want our house finished so we can return home.
Product: Money transfer, virtual currency, or money service

I received a notification through my credit monitoring service that my account with SYNCB/PPC was closing. The problem was I didn't have an account with them, to the best of my knowledge. I searched their name and dug up that it was somehow related to Paypal, an account I do have but have not closed in any way. In my search, it appears numerous other Paypal customers are being confronted with this issue of having some account related to Paypal in their named closed despite not recognizing the account or having any knowledge of ever having opened a credit account under Paypal. This has resulted in a lowered credit score for myself and others, and it's hard to tell the scale that this has happened at. There seems to be no trail of Synchrony informing Paypal customers of this issue, for myself and others who are reporting this issue across the web. I am concerned for those with more vulnerable credit scores than myself and the ramifications of this issue for them.I encourage others running into this issue to file a complaint with the CFPB to get this issue proper attention.
Product: Mortgage

I am owed {$7800.00} from Newrez following the closing/payoff of my loan on XX/XX/year>. They told me they would send the payment via check, and that I would receive in XXXX business days. I called them in XXXX because I hadnt received it yet. They told me that they had sent it, but it went to my old address. I find this hard to believe because all my other mail forwards. On that call they said they would void that check and send another check. In XXXX I called again because I hadnt received anything. At this point I asked for it to be sent via XXXX, they told me this was impossible. 
Last we spoke was XX/XX/XXXX when they said my only other option was to request a new check be sent. He said he sent it ( reference # XXXX ). I have still not received it. At this point I fully believe they are stealing the almost {$8000.00} Im owed.
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by : 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, Inquiry made on : XX/XX/XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized the inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 

Your immediate attention to this matter is appreciated. 

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

Ive tried contacting this company to dispute inaccurate information they reported to the credit bureaus XXXX  XXXX and Experian. There is no phone number and Ive written letters to the XXXX. XXXX they have As address beginning on XXXX and have yet to receive a response. This companies erroneous reporting of this account has vastly effected my ability to acquire credit
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for.The consumer reporting agencies assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included screenshot inside this complaint in on the date of XX/XX/year>. 
Please investigate and provide proof with statements showing that this payment was late.If proof cant be provided I demand this payment be updated to paid as agreed on time as that should be due to the fact I was never late .Thank you.Please see screenshots attached.
Product: Credit reporting or other personal consumer reports

I acknowledge your efforts in addressing and rectifying the fraudulent entries within my file arising from an alleged incident of identity theft. However, there remain unresolved items that necessitate your attention for removal. This marks my third complaint as a victim of identity theft, and I am diligently submitting disputes for the contested entries resulting from this criminal activity. The items under dispute are unrelated to any transactions involving the acquisition of goods, services, or financial resources that I have either made or authorized. For your reference, I have attached my new FTC Report # XXXX. Kindly expunge the reporting of the following items from my credit file, which are the repercussions of the alleged identity theft : -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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
Product: Debt collection

This account keeps getting passed to mulitiple collection agency after I dispute the current agency. It gets deleted from my profile the put right back on by some other company. I 've never opened any accounts with anyone. I am requesting that the company provide proof that I opened this account and evidence that it was indeed owned by me. I know I did not open any accounts.
Product: Credit card or prepaid card

I have power of attorney for my brother who holds this c/c. I have complete financial control. For more than a year, I have not been able to get onto the website to pay the bill and when I mail the payment, it arrives late. In both instances we are continually charged finance charges. I have had to send the notarized paperwork twice ... they keep losing it. I was told that when the account was up to date, the website tech people would get me on the website to make payments easier and faster. The tech people tell me they have no access to the powers of attorney paperwork and refuse to allow me access and send me back to customer service. 

The last time I spoke to customer service in XXXX, I asked for the full payoff, as I was planning on canceling this c/c. I paid the amount I was told and today, received yet another bill for yet unpaid prior balance with more finance charges. No one can validate the charges and I am being forced to pay " blind '' the amount they state and interest on top of it. 

This is all totally unacceptable. I am canceling this card and the card was taken from my brother after the last phone call to the company. 

US bank was totally unhelpful, uncooperative and I am still unable to access the website to validate these charges.
Product: Credit card

Let me just start off by saying my identity was stolen the ( XXXX XXXX ) of last year so there has been many accounts opened in my name without my permission. When I got notification of these accounts I contacted the merchant Affirm to let them know even provided the police report but they are still claiming I owe these balances and I dont mess with my credit. The thing is they removed one of them with XXXX but they are leaving me responsible for all of the others and I have not purchased anything with credit in years. This is fraudulent and needs to be removed. I will NOT be responsible for a charge I never created.
Product: Student loan

On XX/XX/24 Mohela contacted me and told me I would be receiving a new servicer for my student loan. I transferred to another school and they then delayed the transition to the new servicer, for no reason and waited until a new loan was disbursed then sent me another letter that they refused to properly transition my account. They sent me misleading and inaccurate information.
Product: Credit card or prepaid card

On XX/XX/XXXX we received a letter from Capital One Venture Card stating that our account had been closed on XX/XX/XXXX due to inactivity. To our knowledge, this was the first notification we received about this. On the same day, we called Capital One and spoke to their representative and a supervisor. They informed us that we lost all of our points which was well in excess of XXXX XXXX XXXX. Capital One said that even if we opened a new card, our points would still be forfeited and that there was absolutely nothing that could be done to rectify this. On XX/XX/XXXX we wrote to their complaint department and copied to their XXXX offices appraising them of our complaint. We received a phone call back stating that our complaint was denied. 
Our lives, like everyone else, were greatly affected during the first three years of the XXXX XXXX and we stopped traveling. We also limited our use of this credit card for personal reasons. If Capital One had sent prior notification that we were at risk of having our account closed, we would have taken immediate action to use the card. To our knowledge, we never received this notification. Those points were earned over many years of faithfully using our Capital One card and we should not be forced to lose our points in the manner in which this was handled. We were never delinquent in our payments, and are only guilty of not using our card in this most unusual time of the XXXX XXXX. We are elderly people who need these points to permit us to resume travel again. We had previously booked flights to XXXX using our Capital One card but had to cancel this trip due to the XXXX, so the points were placed back in our Capital One account. We would gladly open a new account, if in fact, our old account can not be reopened. However, we feel that it is quite unfair that our hard-earned points should be lost without prior notice and that as ideal customers we should be penalized and treated in this manner.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

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

My Identity documents, were lost in the XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have become a victim of Identity Theft, as a result. Effective XX/XX/XXXX, at XXXX XXXX  est, IAM, requesting Equifax, XXXX, and XXXX, BLOCKED AND DELETED, all fraud items below. LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. GravenXXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. 

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

PROCOLLECT is violating my rights to privacy 15 USC 1681 section 602. PROCOLLECT is also violating my rights 17 CFR 240.14c-6 by placing false and misleading statements without firsthand knowledge of all stated facts. under 15 USC 1681 section 604 ( a ) 2, a consumer reporting agency can not furnish an account without written consent from the consumer. PROCOLLECT 15 USC 1681a ( q ) ( 3 ) commits identity theft by using my personal information without written consent.
Product: Debt collection

Debt of a repossession from ford motor credit was paid and the attorney that handled the case promised the debt would be deleted from my credit report once paid in full. I would like it deleted from XXXX, XXXX, and XXXXXXXX
Product: Debt collection

In XXXX and XXXX of XXXX, I was a patient of XXXX  XXXX and XXXX. I had office visits and infusions both times. In XXXX two employees advised me via email and telephone that the Prolia Co-Pay program would pay the bill that was owed beyond what XXXX XXXX and I paid. In late XXXX of XXXX, I received a bill from aforementioned provider for {$1900.00}. I sent XXXX certified letters in XXXX and XXXX indicating that I was advised that the bill was satisfied. On XX/XX/XXXX a woman named XXXX called me at the billing managers direction responding to my certified mail and stated that I do not owe the bill. In XXXX, XXXX, I was contacted by mail and telephone that this had been referred to a collection agency and they were attempting to collect. I was not notified this was being referred to collection. On the contrary, I was told that I did not owe it. In fact, I discovered that they did not attempt to submit it to the co-pay program at all. My credit has been impeached and the providers practice will not provide me with a letter stating that the collection was in error. I paid this practice {$1500.00} for the bill that three employees said I did not owe. I was sending certified mail trying to determine status and they send it to collections. I now have a ding on my previously perfect credit report. I want it off there.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XX/XX/XXXXXXXX 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
Product: Debt collection

I purchased a home XX/XX/2019 ; during the process my credit was pulled and it reflect a collection account with Diversified management for a XXXX account that I had ALREADY sent to XXXX advising account was fraud also requesting information or proof that I opened the account which to date I have yet to receive. I was forced to pay the account against my will in order to close on my home. I was advice by a manager at diverisified that the account was identified as fraud and would be deleted from my account. This is not month 5 and this fraudulent account is still reporting on my credit report. I have never had sprint ever I am requesting that they delete this account from my credit report as promised
Product: Prepaid card

I recently received 4 XXXX gift cards from my apartment complex as a promotion gift for signing my lease. When I went to activate them, 2 of the 4 gift cards had unauthorized charges on them from XXXX ( {$98.00} on XX/XX/XXXX ) on the first card and XXXX ( {$88.00} on XX/XX/XXXX ) on the second card, both charges from XXXX even though I received both gift cards untouched on XX/XX/XXXX! Both cards were supposed to have an original balance of {$150.00}. I called the card on the back of the cards to talk to a representative who collected my information and sent me a dispute packet to fill out and submit. They told me I would receive a verdict on my dispute within 40-90 days of filling out the packet and submitting it. After reading the packet, it is stating that this packet needs to be filled out 60 days within the date of the disputed transaction which is not possible because two years have passed since the transaction! After calling the service line twice and asking where to submit the packet, they said there should be a submission button even though there isn't one because the packet they sent was a generic XXXX XXXX file. The seems like a large scale scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1.  XXXX XXXX # XXXX 2. XXXX  XXXX XXXX ACCT # XXXX 3.XXXX XXXX ACCT # XXXX 4.XXXX XXXX XXXX XXXX ACCT # XXXX 5. XXXX XXXX XXXX ACCT # XXXX 6.XXXX XXXX XXXX ACCT XXXX XXXX 7.XXXX XXXX ACCT # XXXX 8.XXXX ACCT # XXXX 9. XXXX XXXX XXXX XXXX ACCT # XXXX # XXXX # XXXX 10. XXXX XXXX XXXX ACCT # XXXX 11. XXXX XXXX