23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was fully up to date with my HELOC with  XXXX  and was making my payments through my bank 's autopay. They sold to Shellpoint. It was hard getting through to make payments. I did not realize I fell behind with them in  XXXX  as I thought I had changed the bill pay information. I tried paying on their website and calilng but it seemed impossible during work hours. When I finally was able to get through and pay them, they somehow reported  me two months late  and made it impossible for anyone to refinance me. I then continued to make payments from thereon. I have a HELOC balloon payment as it turns out so as of  XXXX   XXXX  they would only accept full payment and began to report me late and rack up fees. They told me in  XXXX  to submit a package to do a " work out. '' The would only contact me by phone call and would not email me back to tell me if paperwork was acceptible or incomplete or in their correct format and so not until end of  XXXX  was package submitted. They have not gotten back to me with any answer and they say the do not know when or if they will do anything for me. I have no idea whether to wait for their answer or if they are trying to foreclose on me because I have good equity. I have  XXXX  children. The only hardship I have is I do not have  XXXX  but am willing to make payments. It was only because of their late reporting I could not refinance with  XXXX  or  XXXX   XXXX . They were the only ones in the way of us refinancing.  XXXX  would have refinanced us.
Product: Credit card or prepaid card

Tuesday XX/XX/XXXX. 

I attempted to use the Citi website in order to process a payment towards a credit card but was unable to do so. There was an error on the site for one card but not for another. 

Unfortunately this has become a pattern with Citi where there are frequent and lengthy issues with applying payments to cards, making it difficult to process payments in a timely manner, which has made it painfully difficult to keep current on payments. 

Almost every month when I attempt to make a payment it will take 2-3 tries over the course of as many days to accomplish this goal.
Product: Debt collection

The collection agency have been unable to verify this debt lawfully. They are trying to collect on behalf of their client XXXX AT XXXX XXXX for a non sufficient fee and some alleged amount of {$290.00} they claim I owe to them. However, I would like to say that I didnt pay with a check so forth I never had a return payment and I shouldnt be charged an Non Sufficient Fee like they claim, the amount of {$150.00} is not applicable, the amount of {$140.00} was disputed by me on the credit card I used to pay an application fee because I felt an improper and discriminatory practice against me and I have all the legal rights as a consumer to do so, but unfortunately my claim got rejected by the bank and the money was paid to them. Furthermore the charges on the invoice they had attached on the validation letter are not valid/legit, I never lived in this place so I I should not have a balance at move-out charge for {$98.00}. That being said Im not obligated to pay off this debt that they unlawfully alleged I owe to them and their trying to collect. 

I have bank statements and proof from my bank that the money was paid to them. 

In addition I never receive a notice of debt and the only time they call me they claimed that they didn't call to argue with me and they hang up when I try to ask for more details about the money they were trying to collect.
Product: Bank account or service

BBVA COMPASS - ( ACCOUNT NUMBER XXXX ) XX/XX/2016 BBVA COMPASS FRAUD and INVESTIGATION Department RE : account number XXXX To whom it may concern : On XX/XX/2016, I received an email from your bank indication fraud was impacting my checking account. In fact, {$3300.00} was stolen from my account after BBVA COMPASS allowed someone to compromise it. I called BBVA COMPASS that evening and could not access my account as passwords and security questions had been changed. After a quick investigation by BBVS COMPASS, I was told someone called in to their customer service to change information, followed by the creation of a 'WALLET ' access to my account, followed by a request for a new debit card, and finally on XX/XX/2016 the {$3300.00} in purchases and debits were taken from my account. All happening in OHIO or IOWA. 

Prior to the big day of XX/XX/2016, BBVA COMPASS sent a new card to the criminal and sent a new card to me. That makes two active cards numbers on one account. 

The account was closed immediately by BBVA COMPASS and a new one was created and I quickly created my own 'WALLET '. The {$3300.00} deposited in my new account within a few days. This was the end for me even though I was told my account would be closely watched on every transaction for several weeks. 

Fast forward to a few days ago. I started receiving account statements on the closed account over drafted {$3300.00} plus fees. This is when I made a visit to the branch located on XXXX Texas. It was at this location where I was informed the investigation was closed since they did not receive a police report. 

No one ever contacted me concerning a police report and I thought my part was over in this process. I have been to this bank several times since this happened. I have an online account, a 'WALLET ' application with my account, and my email is associated with this account yet there was no requests made of me in any of these superior formats to get information. 

The police report information : XXXX Officer XXXX badge XXXX PD XXXX This is a request that BBVA COMPASS complete this investigation, shore up their practices and procedures, and leave me alone. 
Sincerely, XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters , LLC are attempting to collect a debt on behalf of XXXX XXXX. National Credit Adjusters , LLC and XXXX XXXX is reporting incorrect information to XXXX. On my report National Credit Adjuster is listing the date the account opened as XX/XX/XXXX which is not correct. When I requested the debt to be verified they forwarded documentation from XXXX XXXX with the date listed as opened on XX/XX/XXXX and that it has been in collections since XX/XX/XXXX, but been past due since XX/XX/XXXX. 
There's XXXX conflicting dates on the documentation forwarded to me in their attempt to verify this debt. By law they are required to report accurate information and that's not being done.
Product: Consumer Loan

I have XXXX hard inquiries on my credit report. For both companies, I did n't apply for credit with them. 

These are the companies : XXXX, TX XXXX ( XXXX ) XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Money transfers

I was contacted by a former vendor I had used to repair my PC, who called me up and stated that they were going out of business and wanted to repay me $ XXXX.They asked me to click their company 's link and I gave them information to credit my bank account. Well, they called and said their new customer service rep had inadvertently transferred {$2500.00}, which showed up in my online banking transactions. They requested I go to Western Union and they gave me a print out of who to wire {$200.00} to someone in XXXX. At this point the vendor had control of my PC and had placed a password lock on it so that I could not utilize it until I had satisfied their requests. I was then told that another {$2500.00} had be placed in my account, which appeared on my online statement. Then there was another {$2500.00}, followed by a {$9000.00} deposit to my PC.. Finally realizing what was happening I quit sending money after I had sent a total of {$7300.00}. The following morning I reported this to my bank, XXXX XXXX, and they closed my account. I visited the bank that day and was helped to perform stop payment on a number of disputes. I posted a police report. I was told I was not eligible to receive the {$7300.00} in money fraud from my bank even after elevating this to the district manager.
Product: Debt collection

I was attending XXXX XXXX in 2018 when my mother passed away unexpectedly and I needed to withdraw d/t grief. And I was billed for that. I attended next semester. Then when I registered for upcoming semester I was given wrong schedule. I went to registrar and was told I needed to go to financial aid. Financial aid stated that the XXXX scholarship given to XXXX  was taken back from prior semester leaving me a said balance of same. I would not be able to attend classes until paid. So I was told to withdraw. Then I was told I have another balance because I should have withdrawn a day prior. They have put me through the stress of proving my mothers expiration, meeting with advisors, and emailing explanations. Quite recently in my attempt to re enter I was made to repeat the process. Only for them to list a collection on my credit report, taking XXXX points off my score. Score is XXXX now. They billed me and received payment for XXXX semesters in which I only attended XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several documentation to XXXX  regarding my credit report the information is still on my report, ive provided mailing and documentation from the creditors and they still have not removed the information ive advised im a victim of fraud along with paperwork from ftc
Product: Payday loan, title loan, or personal loan

I had a title loan with a affiliated of Advance America, the company took over the account. I paid the account in full, and they attempted to add an additional fee to the account. The payoff amount was {$100.00} ( somewhat around that. ), The amount that was need was sent on XXXX. They are other detail that are not included. 

I obtained a payday loan of {$230.00} with a equal payment plan. The company new I needed my title back immediately in order to fulfill the contract. I received the title at least two weeks late. ( I was told that it would take 6-8 weeks to get it back, that is a lie ) .I have tried to make the company understand this but they refused to listen. 
I was given an extension to the XXXX of XXXX. Now they are claiming that I defaulted on the advance and will take the {$230.00} plus interest. The action they are taking is unfair and voids the contract. They company also intentionally withheld some vital information in reference to state law. If you need more detailed information I will glady submit that.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I disputed this account self account in writing stating I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. No proof of investigation was provided nor was the negative payment status updated for all 3 self accounts
Product: Bank account or service

Wells Fargo Stealing My money by way of posting and re-order transactions. So many NSF/overdraft fees.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from Capital One Bank that they were decreasing the line of credit of one of my XXXX accounts by {$1000.00}. Be aware, this complaint is not about the decrease in the line of credit itself. One of reasons for the change listed in the letter was : Use of all of your availabile revolving credit has been too high on your Experian credit report I do not dispute that I need to work on getting my outstanding credit card debt down. I do not dispute that it is higher than what I want, however, by decreasing my credit line, they further negatively impacted my available revolving credit ( it, naturally further decreased ) and sure enough I had a downward adjustment to my credit score. I spoke with Capital One 's customer serve on XX/XX/XXXX. I was able to confirm with them that I was a customer in good standing ( this account has been open since XX/XX/XXXX ) and that, at least in the past year, I had not been past due, nor short paid an amount due during any billing cycle. Therefore, I dispute the reasons, listed in their letter, as being the true justification for their action. I presume their justification to be an intentional act to negatively manipulate my credit score and to then use the downward adjustment as a reason to upwardly adjust my card 's APR. And this is the heart of my complaint. By all means, Capital One should have the right to take the action they did. But, by allowing a system that then uses their action as criteria to negatively impact ones credit status, you are allowing the fox to guard the henhouse. And you are presenting the opportunity for lenders and the credit reporting agencies to conspire against honest, hardworking consumers who are trying to live within the rules of a rigged system. As far as that goes, having a request for an increase of a line of credit or applying for a new credit card/loan, negatively impact one 's credit score is grossly unfair. A consumer who works hard to build up their credit score prior to taking out a car loan, for example, is then penalized for accomplishing their goal? I submit that this begs for change. I hope you see this argument to have merit. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX ran my credit report without my authorization. I have not applied for any products from them and did not give them permission to run my report. 

On XX/XX/year> XXXX XXXX  ran my credit report and caused my my scores to drop due to an unauthorized inquiry. I never game them permission to run my report and never gave them my info to pull my credit file. 

Both these companies accessed my file without my permission and I will like these hard inquiries to be removed from my credit file. they have caused my scores to drop after months of hard work to raise my scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX were reporting an account from credit first as date of last payment XX/XX/XXXX, I asked them to delete account because Date of first delinquency was greater than 7 years ago, Experian changed XXXX to XXXX which is illegal XXXX is still reporting account
Product: Debt collection

I am writing to dispute a collection account related to a XXXX  credit card that is currently reported on my XXXX and Experian credit reports but is absent from my XXXX report. I have made several attempts to resolve this issue with the reporting agencies, but the account continues to be reported incorrectly on my XXXX and Experian reports. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. I have already attempted to address this discrepancy directly with both XXXX and Experian, but the account remains reported despite not appearing on my XXXX report. This inconsistency suggests that the account may not be accurately reflected or reported to all credit bureaus. 

I am requesting the removal of this collection account from both my XXXX and Experian reports, as it appears to be an error in reporting. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that the information they report is complete and accurate. Given that this XXXX account is not listed on my XXXX report, it raises concerns about the validity of this information on the other two reports. 

I am asking that you investigate this account, and if the collection can not be verified, I respectfully request that it be removed from my XXXX and Experian credit reports as required by law.
Product: Mortgage

When my mortgage was being serviced by XXXX XXXX  I asked for the PMI to be removed and offered to have the house appraised. They told me it wasnt necessary. And that they would review and remove. 
The loan was then sold to another provider. Without my knowledge. I continued to pay XXXX  during which the other company marked my payment late. Which it wasnt. It was paid to XXXX. On time. 
Since then its been now passed on to shellpoint loan service who says my house is way past the PMI limits and would be removed but can not because they say I made a late payment. 
I never made a late payment. The loan was sold. I was never notified until AFTER that payment was made. For which they should not have even taken the payment. It was a matter of days in between.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX, XXXX and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Checking or savings account

On XX/XX/XXXX, Scammers were able to access my savings to transfer XXXX to my checking account. I was lead to believe the transfer was a deposit made by the callers and was told I should send a wire transfer for the amount to their account at XXXX XXXX in California. I went to my America First Credit Union to make the wire transfer. The teller asked if I had done prior business with this company. I replied XXXX because the scammers told me they were from a company who I paid to fix my computer back in 2021. My complaint is that the teller and his supervisor were perfectly aware that I was being scammed, Still they allowed the wire transfer to take place. I spoke with another tell at that branch about policy and procedures regarding these types of scams and she told me that they are supposed to inform the customer of what they see is happening and stop the scam from being completed. My complaint is procedure was not followed by my teller even though he was totally aware I was being scammed. I pay extra for premium checking which gives extra protection to your savings account. making it harder for someone to hack. My other complaint is with the branch XXXX who failed to try and stop the transaction with XXXX XXXX even though it was reported less than XXXX minutes after, I want America First to take responsibilities and make up the loss which could have been prevented. This is a joint account but your form only allows for XXXX name to be entered as the account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged the following items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have reported the XXXX account # XXXX for fraudulent activity as I was not the XXXX to open this account. I provided an identity theft report from the FTC and I receive communication from Experian stating that an FTC identity theft-report is not official because the FTC is not a law enforcement agency. ( I do have copies of this communication that was received from Experian ) this account was reported by XXXX XXXX and XXXX as well. Both XXXX XXXX and XXXX determined that the information was not only inaccurate but fraudulent. Once I turned in the identity theft report from the FTC XXXX XXXX had the account balance at {$860.00} and XXXX had the account reporting at {$880.00} while Experian is reporting the account balance at {$880.00} due to this inaccurate information as well as fraudulent information XXXX XXXX and XXXX both immediately deleted this information off of my credit report as well as assured that this information could not be re-added to my report however, Experian is refusing to remove this account from my credit report and is continuing to report the account as verified. How can this account be verified if its being reported amongst other bureaus with different information this tells me that a proper investigation never took place failure to re-investigate this issue properly is a violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

LexisNexis stated in their response to my CFPB complaint that there was no such insurance claim in my name for hail damage insurance claim on XX/XX/year> but on page 63/160 of the report they sent me in response to the CFPB clearly shows the claim in my name. 

The seller of this house filed such a claim to repair the roof BEFORE we bought the house- but the claim is clearly associated with us now.
Product: Credit reporting or other personal consumer reports

Disputed XXXX XXXX XXXX XXXX XXXX account # XXXX for the 4th time and Equifax have lied and said that it was verified. According to the creditor they didnt get anything from Equifax . I have sent a letter from the creditor, police report, ftc report and a police report and a copy of my ID and Social Security Card. This is the 5th time disputed this account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not letting me exercise my federally protected rights under 15 U.S.C 1681. Equifax last response lack documents and listing Im requesting. See attachment.