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

I submitted a dispute with Experian over 30 days ago, but the investigation process has taken longer than expected. Despite the fact that more than a month has passed, I have not received a resolution or any meaningful updates regarding the status of my dispute. This delay has caused me significant inconvenience, as I am still waiting for the accurate correction of my credit report. I have made multiple attempts to contact Experian, but I have not received a satisfactory response or timeline for when the investigation will be completed. This prolonged delay is unacceptable, and I am seeking assistance to resolve this matter promptly.
Product: Debt collection

Got a letter saying I owed {$14000.00} on XX/XX/XXXX. After calling found out it was from XXXX. I filed bankruptcy in XXXX this said account should have either been discharged or frozen until after my chapter XXXX bankruptcy ended. XX/XX/XXXX my bankruptcy ended I never got any bill from account holder. Now 6 months later they are either trying get money from an account discharged from my bankruptcy or mishandled my account during my bankruptcy. I want this account withdrawn as it goes against federal bankruptcy laws! They should have by law sent me a bill to resume payments not sent it straight to collections.
Product: Credit card or prepaid card

Due to hardship, financial situations and a XXXX  in the family it shows that I have a late payment for Kohls. I dont recall having a late payment. Im trying to remove the late payment from my credit. I have been on time with every payment making double payments or more and I still cant get an increase with Kohls. Please remove the late payment from my credit report so I can move forward. Ive tried writing letters and even cool down but still cant get an answer.
Product: Debt collection

communicated with the company XX/XX/19 - XX/XX/19 - Sent in affidavit of proof that it was not be that opened the account with a police report. Since then the company has not sent an responding information. XXXX - Fraud Investigation Department XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number ending in - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX ( This account is reporting paid off but this is not my account, I have never attend school here. ) I have never went and opened any account with this bank. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX The following I have never applied for. I Did not give any person or person of that company permission to run my credit. These inquiries are not mine. 

XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX I also have filed a police report with XXXX Police department XXXX Report number is XXXX
Product: Mortgage

Page 1, Paragraph 4 of my Promissory Note indicates that I have the right to prepay my mortgage with any prepayment charge yet SPS, INC is charging me a Prepayment Change on EACH of my loans ( XXXX & XXXX ) totaling more than {$2000.00} per the last payoff quote. This is not my first complaint on them and this is not the first time they have tried to scam me. I am attaching the Promissory Note they provided in response to a previous complaint, a payoff quote they also provided, and my last monthly statement.
Product: Credit reporting or other personal consumer reports

Please remove these accounts and update late payments accounts which are listed in the letter and in the FTC immediately.
Product: Credit reporting or other personal consumer reports

I have a credit card over 9 months any my credit score is over XXXX an I have over XXXX in the account and am trying to borrow XXXX an cant get it but I think its because XXXX is on my bank profile but I got married 1 year now
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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.
Product: Student loan

I recently completed a refinancing of my Mohela federal student loan with XXXX XXXX XXXX XXXX Mohela XXXX XXXX XXXXXX/XX/XXXX which turns out to be an over payment of {$540.00} to my principal balance. Mohela is supposed to refund this over payment of {$540.00} to my XXXXMohela account and close my account with Mohela accordingly XXXX On XX/XX/XXXX when I spoke to a Mohela advanced agent on the phone about this, the agent told me it should take only 30 days from XX/XX/XXXX to process this refund to XXXXMohela , because this request has been expedited. On XX/XX/XXXX when I spoke with another Mohela agent on the phone, he told me the refund will now take 60 days, instead of 30 days. On XX/XX/XXXX, when I spoke to another Mohela agent on the phone, she told me the refund will now take 90 days, and I was misinformed by the previous Mohela agents who told me it would take 30-60 days to process the refund. 

Please see the attached screenshot of my Mohela online account from XX/XX/XXXX : my balance is still showing XXXX XXXX XXXX XXXX XXXX XXXX XXXXMohela account is still not processed ), and Account Summary is showing Monthly Payment Amount of {$110.00} with 7.9 % Interest, which should be XXXX payment with zero interest, because my balance has been paid in full XXXX XXXX-Mohela through my refinancing of this loan.
Product: Credit card or prepaid card

I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and CITICARDS CBNA were no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late on XX/XX/2018
Product: Debt collection

We need your assistance. Portfolio Recovery Associates , LLC continues to call my home for a debt we do not owe and know nothing about. They 've been harassing us since the late XX/XX/XXXX while living in XXXX. We 've since moved to XXXX ( XXXX yrs ago ) and they somehow found our new home # and started ringing it off the hook shortly after we moved here. We set our home phone to 'do not 'disturb ' and they have now found a way to contact us on our cell phone, which is against the law. Way back in the XX/XX/XXXX, we told them we do n't owe this money and they continue to harass us. So we 've been ignoring their calls for the past XXXX+ years. We sent letters telling them we do n't know what this debt is and to produce a copy of the original debt and we 've received nothing in the mail but their letters asking us to pay the debt. The latest letter I received was a couple of days ago. And interestingly enough, a portion of the letter says, " ... Because of the age of the debt, we will not sue you for it and we will not report it to any credit reporting agency. '' That tells me they must be trying to collect on a so called debt that is outside of the Statute of Limitations for California. The original creditor listed in the letter is XXXX XXXX XXXX sold by XXXX XXXX XXXX XXXX to Portfolio Recovery Associates , LLC. My wife and I had a couple of credit cards with XXXX XXXX XXXX that we obtained in XXXX in which the combined balance far supersedes the {$360.00} they are asking for. Furthermore, the credit cards were PAID OFF in XX/XX/XXXX and Portfolio has been calling my house since the late XX/XX/XXXX. That said, we owe XXXX XXXX XXXX nothing, this looks like Portfolio is trying to collect on a very old debt we know nothing about and I want these people to leave us alone! Should you wish to discuss this matter, please contact me through the email provided in this complaint. Any assistance you can provide in this matter is greatly appreciated. Thank you for your time!
Product: Vehicle loan or lease

Ok XXXX XXXX XXXX XXXX  and when trying to get it back I had to pay XXXX for the car gotten no notice at all also did miss some payments but was willing to pay the past due and they didnt want that so XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  so now Im owing them money.
Product: Credit card or prepaid card

XXXX weeks ago I closed a credit card account with Bank of America.The account number was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. XXXX weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. XXXX weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please request Bank of America to mail a check with the amount that they own me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFBP findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a investigation into my account transactions.
Product: Checking or savings account

A while back US Bank offered me and extra account for overdraft protection. They told me it would cover my overdraft fees, which they never explained to me it was for under a certain amount, and caused me to owe them. So then I decided to close the extra line/account. I also asked them to not let any transactions go through if I did not have any money. The app is inaccurate and they charged me an overdraft fee and still let me keep making transactions and charged more overdraft fees on top. They refunded me the initial fee but due to that fee I was charged three other fees.
Product: Debt collection

I have asked them to contact me via USPS many times via text messaging. Today they sent an email to an address that is not used only by me that they were never given and never had permission to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. 
XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Terminated Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$4600.00} Credit Limit : {$3500.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XX/XX/XXXX .I was shocked to think that someone might be looking at my credit report without my permission. The Fair Credit Reporting Act makes it clear that only people with permission to view my credit report are allowed to do so, so I need you to provide proof of your purpose for viewing my credit report immediately. If you can't provide this proof, please delete any potential inquiries related with this company from my credit report
Product: Checking or savings account

On XX/XX/XXXX my husband and I went to the Fifth Third Bank at XXXX XXXX XXXX XXXX XXXX, NC XXXX to make a withdrawal from our business account. The day before, we made a deposit per our normal routine. Each XXXX of the month, we are paid from the company we contract with. The next day, we make larger withdrawals to cover expenses and transactions made from other accounts and banks. This has been a consistent pattern of banking that we have done since opening our account in XXXX. When trying to make a withdrawal from this location, we were denied access to our funds. XXXX told us that the money was not available. She said that it hadn't been " sitting '' in the account long enough to make a transaction. We could see that the funds were cleared in the account, and I had already made a debit card transaction. XXXX was a person who could sign off on the transaction, but because we were not " familiar '' to her, she also refused. Neither representative asked for our credentials nor even asked our names, they blatantly lied to our faces by telling us the money was not available. I felt discriminated against and disrespected by their actions. It was a situation that could have been avoided, had they simply looked at the account 's transaction history. After we left that branch, we immediately went to the branch at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. The representatives at that location had no problem making the transaction with no questions asked. On Monday XX/XX/XXXX, I went back to the XXXX location to speak with the branch XXXX, XXXX who agreed that actions like the one 's the representatives displayed are unordinary to the way customers should be and normally are treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX
Product: Credit card

hsbc card I do not have ... seems to be identity theft ... even maybe from a hospital ... they are continuing to drag down my credit score and add fraudulent activity ... please contact me at XXXX ... this is XXXX XXXX XXXX ... I want them caught and off my report.
Product: Debt collection

On XX/XX/XXXX I visited the XXXX. at XXXX XXXX in XXXX, XXXX for injuries sustained in an auto accident. I was not at fault and had to wait for the insurance companies to settle my claim. The outstanding physicians ( XXXX ) bill was {$790.00}. Collections attorney XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX obtained the debt, and I paid the negotiated total of {$550.00}. I have a ( XXXX ) receipt from XXXX XXXX XXXX stating that the account is paid in full and closed dated XX/XX/XXXX. On approximately XX/XX/XXXX I found that this debt was on my credit as a collections account by Cascade Capital Funding. I called and spoke with XXXX XXXX at XXXX XXXX XXXX in order to gain information as to why this happened and to get a digital copy of my receipt in order to send proof of payment. I sent an ( XXXX ) email to XXXX, the email address indicated by XXXX at XXXX XXXX XXXX. The collections account was removed from my credit. On XX/XX/XXXX I received a ( XXXX ) statement from Cascade Capital Funding indicating this debt was still owed. I took no action, as it was not on my credit. I received a call from XXXX at Cascade Capital Funding on XX/XX/XXXX and ( XXXX ) sent proof of payment to the email he provided, XXXX. On XX/XX/XXXX I received another ( XXXX ) letter from XXXX XXXX XXXX for the same debt. I took no further action at this time, as it was not reported to my credit. On XX/XX/XXXX I received a ( XXXX ) letter to pay the same debt by Cascade Capital Funding with the alternate name of XXXX XXXX XXXX. I took no action at this time, as it had not been reported to my credit yet. The debt appeared on my credit as a collection on approximately XX/XX/XXXX under the name of XXXX XXXX XXXX. It is currently on my report, and I am taking steps to dispute the debt with the credit bureaus. I am also filing complaints with the appropriate agencies. This harassment has impacted me both mentally and financially and I would like to resolve it. I have attached the documents indicated by XXXX. I have also included files named credit XXXX as proof of damages to my credit by this fraudulent debt.
Product: Credit card or prepaid card

I was a victim of ID theft. My name is XXXX XXXX, SS # XXXX, DOB XX/XX/XXXX This account was open on XX/XX/XXXX. My address is a general mail address in the City of XXXX. We have no mail at our physical address is the City of XXXX. I have disputed this account numerous times and the creditor says its mine. I have filed a police report # XXXX. This has caused me great harm to me and my family. XXXX and XXXX have removed it but XXXX will not! They keep saying creditor confirms its mine. Please Help! 
Here is the Creditors info : Barclays card Account # XXXX Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and discovered there were inquiries that were never authorized. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to contest the addition of this bankruptcy to my credit report. The discrepancy in dates and the involvement of an unauthorized third party amplify my concern regarding this matter.
Product: Mortgage

I have two complaints for PennyMac, both of which I have contacted them on. The first complaint has to do with my first mortgage that was obtained with PennyMac in 2015. I recently paid off the mortage and the account was automatically closed which has caused my credit score to drop by more than 80 points. The payment of my mortgage  balance should not impact my credit. I have filed a complaint with teh credit companies and have Called Pennymac and asked them why did they report the account as closed. I have obtained other mortgages with other companies and while they are paid off the account remains open with a XXXX balance. 

My second complaint is around another loan that I recently obtained from Penny Mac on XX/XX/XXXX, PennyMac transposed my house address ( instead of writing XXXX, they write XXXX ). I have called the company three times to report this and the issue has not been resolved. I am being threatened by the mortgage company to take insurance on a property that I do not love in. The correct property address has insurance and evidence of the insurance was provided at closing. Since they fail to update the address in their system, I am being told that the mortgage company will take insurance on the incorrect property address on my behalf and I will have to pay for it. I am not sure why I would have to pay for insurance on a property that is not mine. I need help resolving this issue. I have tried my best to work with the company and I am not getting anywhere.
Product: Debt collection

I received notice by mail for 3 cc bills from XXXX or XXXX. The accounts were put with a consumer credit company in XXXX or XXXX. I have heard nothing regarding these since I signed with XXXX XXXX XXXX XXXX years ago. The company reaching out is Credit Control LLC - the XXXX companies they are reaching out about are : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get this charged off account removed since XXXX, this account is showing inaccuracies, wrong dates and wrong amounts owed is not matching, this account clearly shows that it's been charged off and debt was sold, this been appearing since XXXX and it's been a nightmare trying to repair my credit just to be financially stable for my family
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX TX, last XXXX of account # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says 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 any purpose.
Product: Other financial service

I was referred to Waterstone Mortgage by a realtor. I was told to work with a gentleman named XXXX XXXX. After speaking with XXXX XXXX on the phone and him reviewing my situation he referred me to his colleague XXXX XXXX so that she could advise my husband and I how to get our credit started again. We met with her and she advised us to get a savings loan, a prepaid credit card and to become authorized users on a family member or friends credit card in which we did all of those things. The authorized user was false information. She also told us NOT to pay off any of the items that we owed on our credit report. Af the end of the 30 minute meeting she told us that we owed her {$300.00}. No cost was mentioned until the end of the meeting. My husband gave her {$200.00}. She said to do the 3 things she mentioned and call her back, we did and it took 2 weeks to hear back from her. She said to come back to the office to talk. We went back and she had lost our file, she said that she left it at her home and I found it odd that our file would be at her home. We had to give her all of our information again and the last {$100.00} that she said we owed. We paid her in cash she said that they did n't take debit or check. We did n't get a receipt and I know that is my fault but when we gave her the money XXXX XXXX was there, although I did find it quite odd that XXXX put the money in her purse. She then gave us one of XXXX business cards and wrote on the card that we would get {$300.00} off our closing costs when he got us financed. I tried calling and texting XXXX a dozen times or more and I never heard back from her. This originally took place the beginning of XXXX 2014. During the winter we saw a place that we were interested in and I happened to know the broker. The place had been sold but I told him that we were working with XXXX XXXX and he laughed and told me that XXXX had discretely quit Waterstone and was no longer in that line of work. I called him because I still could n't reach XXXX and XXXX told me that by rights she should refund my money. He then refereed me to his brother XXXX and when I told him what had happened and he said that XXXX was a family friend but he would never use her in his business because she checks out and goes to XXXX quite a bit. I learned my lesson but I feel like me and my family have been taken for money that we could have used and we trusted someone that was supposed to be helping us. I have XXXX children of which one has XXXX and I 'm paying more for rent than a house payment would cost me. I feel as though XXXX took advantage XXXX. Even if no action is taken against her I think people need to be warned about the way she conducts business. Thank you for your time and I would appreciate it if you would look into this.