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

Hope you are well. 

We have had a XXXX loan on XXXX XXXX XXXX XXXX for 3 years. As of XX/XX/XXXX we owed approximately {$19000.00} which we paid off. The title was released after about a month. The credit report incorrectly shows loan still open and not paid off. This is interesting because if we had traded for another XXXX and financed with XXXX again it would have adversely affected our credit terms. This is neither fair or legal in my eyes. They seem to have a lot of undue manipulation in my credit report as well as my husbands. It shows that we owe {$40000.00} to XXXX and we owe {$0.00}. I expected XXXX to remove this as an open obligation and disputed 2 months ago. They will not respond. The truck has been paid off since XX/XX/XXXX, that is 5 months. Can you please assist? 

Regards, XXXX
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX for two {$110.00} XXXX transactions that were unauthorized. MoneyLion said Id receive provisional credit under Regulation E in 10 business days if the claim needed more time. Its now XX/XX/XXXX, and I have yet to receive provisional credit for these disputed transactions which Im sure is a violation of Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on getting feedback about a few account reporting on my credit report. I have been reaching out to XXXX, XXXX and Experian for a few months now and have received no response. I mailed out my final letters on XX/XX/2021. Each of the letter mailed out on XX/XX/2021 were sent certified. Tracking number listed below : XXXX XXXX XXXX The items in question are : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( XXXX ), XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX  ( Original Creditor : XXXX  XXXX  ) ( XXXX ) Please have the XXXX, Experian and XXXX delete these items from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I changed my legal first name. All relevant legal documentation has been properly updated. Upon attempting to upgrade my XXXX I went down a rabbit hole that found that Equifax had an issue. After a large amount of time and multiple calls and contacts with them, I finally received a fax number and began the process of setting up a my.equifax account. I faxed my documents XX/XX/XXXX. They were verified on XX/XX/XXXX. This has been verified by phone agents on XX/XX/XXXX. My documents have been resubmitted on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the request to update my name was ignored completely. On XX/XX/XXXX, within about 24 hours it was listed as " Completed '' but was never updated. It was re-submitted again, with the same result. Stated Completed, but never changed. I tried again on XX/XX/XXXX and now it says no status but " Mailed ''. Thus far I have never received ANY notification, email or mail service of any of my interactions with Equifax thus far. My name being incorrect is preventing me from taking actions to repair my credit and needs to be fixed immediately. 

I wish I could attach documents to this but as they have never sent me any documents explaining their actions regarding the name change I have nothing to submit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX PA XXXX I am contacting the bureaus ( Transunion ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and i ask that they be deleted from my report. The items i need removed are listed in the report attached. I have notified the companies that i did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Credit card

Sleep Number Credit Card with Synchrony Bank. 
Payment is made monthly on time and for an amount greater than the minimum amount. Payments are due the XXXX of the month.. In XXXX, payment came in 1 day late due to XXXX XXXX weekend. For this 1 day late Synchrony has charged : -Charged {$30.00} in XXXX for late payment -Charged another {$41.00} dollars for late payment in XXXX even payment was on time and above the minimum. 
-Charged another {$41.00} dollars in XXXX for late payment even payment was on time and above the minimum. 

Synchrony offered to reduce some of the charges, but I refuse to pay any of these charges as I have paid on time and above my minimum payment every month. This is usury.
Product: Credit card or prepaid card

On XX/XX/2020 Comenity Capital Bank charged me an interest fee of {$4900.00}. The reason for the charge is that I did not complete my payment on time for promotional interest rate. 

However, I sent in a payment of {$6000.00} electronically on XX/XX/2020 to Comenity Bank, which was posted on my account. Comenity Bank did not process my payment of {$6000.00} until XX/XX/2020. 

Now, I'm being charged {$4900.00} worth of interest, i have tried to explain and sent in transaction details, but they are not taking it into consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just learned a XXXX credit account was established in my name and using my personal information through XXXX Bank. The balance being reported on my credit report is {$4100.00}. I have never applied for or held a XXXX credit card. 

On XX/XX/2022, I contacted Portfolio Recovery Associates and spoke with XXXX XXXX XXXX. I advised her of the situation over the phone. The Case Number is XXXX. 

In addition, I sent an email to XXXX advising that my identity had been stolen for the purpose of obtaining the XXXX credit card and requesting that they request the credit agencies remove this alleged debt from my credit report. 

On XX/XX/2022, I also contacted the card issuer, XXXX Bank. I was unable to speak with a representative and will be following up with the bank as soon as possible.
Product: Debt collection

In XXXX XXXX XXXXXXXX placed a debt from Navy Federal for a credit card in the amount of {$6600.00} on my credit reports in XX/XX/XXXX letters for account verification where sent to XXXX XXXX And Navy Federal to which both failed to verify the debt so it was removed from my credit reports. XX/XX/XXXX XXXX XXXX  has a new owner XXXX XXXX XXXX, they have placed the debt back on my credit so I sent out a account verification letter to XXXX XXXX XXXX on XX/XX/XXXX giving 30 days to respond it is now XX/XX/XXXX and they have not this is long enough for this debt that does not belong to me to be removed Also I was able to have it removed by XXXX dispute # XXXX on XX/XX/XXXX but not XXXX XXXX XXXX XXXX
Product: Debt collection

Paid debt in full onXX/XX/23. Disputed account on credit report with proof of payment to be shown as paid in full or deleted from report, and XXXX did not update and reported the original amount owed {$1700.00} on XX/XX/23after it was paid. The account should be reflecting as paid in full or deleted as it has been settled in full.
Product: Debt collection

XXXX XXXX, XXXX has called repeatedly and sent a written letter claiming to collect a debt that I do not owe. I made contact to the Original Creditor and they confirmed it is a scam as they have no record of account reported by this debt collection company.
Product: Checking or savings account

I received an email from Bank of America on XX/XX/2023 that they have opened a new checking account in my name. I am not, nor have I ever been, a customer of Bank of America. After waiting on hold for hours, the BoA agent confirmed that the account was fraudulently opened and said they would close it. On XX/XX/2023, I received an account statement and evidence that it was never closed. 

A similar issue with BoA also occurred in XX/XX/2023. I was assured that this wouldnt happen again. In XXXX, I also froze my credit with the 3 bureaus.
Product: Mortgage

One year after purchasing my home Pennymac called me and said they could lower my interest and get my payment down. I told the man multiple times that I'd be interested but ONLY if I would not lose my escrow balance. My county tax was expected to drastically increase due to it being a new home and the first year was just the land. I was told not to worry and that the ( over ) {$3000.00} I had in escrow would still be in escrow on the new loan. Come to find out that they lied and because they rushed me to sign everything and I trusted their LICENSED mortgage guy, I am now forced to come up with $ XXXX. I have a XXXX daughter and I just got a " promotion '' at work so I am now a salaried employee and lost about XXXX in overtime annually. I do not have XXXX XXXX dollars and they refuse to help me! 

Based on the original loan 's balance and the refinanced amount, I would not have reasonably known that they were taking my XXXX  in escrow as they now claim. They stole that from me and I have included their statements and what they advised regarding the closing costs as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not investigate my file in a timely manner. I am extremely upset by this. I don't know why I must spend so many countless hours trying to fix the mistakes on my credit. This is causing me a lot of XXXX. Please find attached letters previously sent by me via USPS certified mail. I am trying to buy a house and am trying to avoid any unnecessary litigation under the FCRA.
Product: Prepaid card

First I have never received anything in writing from VENMO on this matter. 

Hackers from XXXX went into MY SSA APP changing my direct deposit to XXXX XXXX on XX/XX/2023. They've been holding these funds for over 5 months without contacting me or SSA. Why did they not send them back SSA? XXXX with my local Social Security & i called XXXX on XX/XX/2023 telling them that I was a victim of Identity Theft & they told us that I had NO access to account. I had no idea it was an old Venmo account that I had closed months before because of Hackers getting in & out of account constantly. The US TREASURY & SSA told me & Venmo verified that funds are in old account. WHY??? ITS BEEN OVER 6 MONTHS... 
I've sent Venmo all identification & documents from SSA saying that they're holding my XXXX payment because I've been over paid by {$1600.00} ( during a recession ).
Product: Mortgage

Gateway Mortgage Group , LLC misled me about qualifying for a home loan. 

In XX/XX/2017, I was pre-approved for a {$140000.00} VA home loan with XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I am unemployed and my only income is my XXXX XXXX  pension ( {$1700.00} gross monthly income ). I have no debt except my credit cards which I pay in full each month. 

On XX/XX/2017, I signed an agreement to purchase a home for {$210000.00} and provided a copy of the contract to XXXX XXXX XXXX XXXX. I liquidated most of my retirement investments ( {$80000.00} ) for a down payment to purchase the home. 

On XX/XX/2017, XXXX XXXX ( XXXX XXXX XXXX XXXX Loan Officer ) informed me that the loan was being passed on to one of their " sister '' companies " Gateway Mortgage Group '' in XXXX XXXX TX, because they could not process my VA loan. 

On XX/XX/2017, XXXX XXXX ( Gateway Mortgage Group Loan Officer ) instructed me to fill out a new loan application on-line. Immediately, Gateway Mortgage Group pre-approved my home loan for {$140000.00}. 

On XX/XX/2017, I received a copy of the loan application for my signature. I noticed some discrepancies on the application such as my loan was now a conventional loan instead a VA loan ; my gross monthly income was higher than the amount on my monthly income statement ; and the total amount of my assets was more than double the amount I reported. 

Before I signed the application, I contacted XXXX XXXX about the discrepancies. XXXX XXXX told me it was common practice to increase the monthly salary amount ; the type of loan did n't matter because of the size of my down payment ; and the total amount of my assets would be corrected. XXXX XXXX told me to sign the application and she would correct the total amount of my assets in the system. 

On XX/XX/2017 -- 3 days before the scheduled closing date -- XXXX XXXX informed me that she failed to verify the property taxes on the home I was purchasing. As a result, I no longer qualified for the conventional loan unless I increased my down payment. I informed the XXXX XXXX that I could not increase my down payment. XXXX XXXX stated I qualified for a VA loan ; however, the process would take another 30 days and I would have to pay for another home appraisal. 

On XX/XX/2017, I filed a complaint with Gateway Mortgage Group Corporate Office in Oklahoma and requested reimbursement for the money I spent due to XXXX XXXX 's negligence. Gateway Mortgage Group refunded me the home appraisal fee, but did not reimburse me for the other expenses -- claiming the expenses are " out of Gateway 's control. '' Despite their claim, it does n't change the fact that Gateway Mortgage Group misled me about qualifying for a loan and should be held liable for their actions. Further, Gateway Mortgage Group can not claim they hold " a high standard for Customer Experience ... '' when I was duped by their loan officer. My first-time home buying experience was horrible.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

My federal student loan servicer is Nelnet - I had previously paid off my entire loan balance on XX/XX/22 ( payment made that day of {$220000.00} ) and had a {$0.00} balance on my account as of XX/XX/22. I contacted Nelnet by phone on XX/XX/22 and asked for just {$10000.00} of my payments to be refunded to me under the XXXX act, the representative confirmed that it had been submitted. I called again on XX/XX/22 to check-in that they had everything that they needed from me and to confirm again that I only wanted {$10000.00} refunded to me- and that I did not want anything additional to be refunded. I received a credit reporting alert on XX/XX/22 that there was a change in my credit report and that my student loan balances had increased. Upon logging into my Nelnet account on XX/XX/22 it showed that my previous {$0.00} balance was not {$220000.00}. I spoke to a representative on XX/XX/22 and questioned why so much was refunded to me- they could see in their records that I had in fact asked for only {$10000.00} to be refunded and that there must have been a " glitch '' causing so much more to be refunded. They said there was nothing further they could do at that point and I would just have to wait until I received the refund ( could not give me any information on when to expect the refund ). Upon logging into my Nelnet account again on XX/XX/22 my balance increased yet again - to {$280000.00}. I called again on XX/XX/22 to understand what was happening- the representative said a balance that had been paid previously to another lender was also refunded ( {$61000.00} ) that was added to the {$220000.00} balance on my account. They said it had not yet been sent to the XXXX XXXX XXXX XXXX so there was a chance they XXXX be able to stop this refund but they couldn't guarantee this. At this point in time this is impacting my credit report showing a large amount of debt and I have not received any sort of refund to pay this money back and reduce the balance. Their mistake is impacting my ability to complete the necessary applications/have satisfactory debt/income ratio to close on a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account being reported by XXXX in question is TD BANK USA/TARGET CREDIT in the amount of {$410.00}. On XXXX-2019, I paid this charge off in one full payment of {$410.00} over the phone with the collections department of the original creditor ( TD BANK USA/TARGET CREDIT ).  On XXXX-2019, this account on my credit report had been updated to paid charge off ( $ 411-> {$0.00} ).  On XX/XX/2019, the balance on this account had been updated and was increased by {$410.00}. On my last updated XXXX credit report of XX/XX//2019, the payment status for this account reports as charge off with a balance of {$410.00}.
Product: Mortgage

On XX/XX/XXXX, I hand delivered to the post office my mortgage payment due for XXXX XXXX The amount of the check was more than the amount due. On XX/XX/XXXX, I recieved an email from the mortgage company, New Rez LLC, indicating they had not recieved my XXXX payment. On XXXX XXXX, I verified with my credit union that the check had not been presented to them. I requested a stop payment on the check that day. I contacted the automated payment system for my mortgage company on XX/XX/XXXX, expecting to need to make a payment ; however, their system told me they had booked a payment on XX/XX/XXXX. On XX/XX/XXXX, I recieved another message from NewRez indicating they had not recieved payment. When I contacted them on XX/XX/XXXX, they indicated that my credit union indicated there was a stop payment on the check. Since this was due to their mismanagement of the payment, I requested a refund of the late payment fee and they refused. They also refused to refund the fee I will have to pay my credit union to stop payment on my check. Since I am in the financial position to allow it, I have requested a written statement of the payoff amount so I no longer have to deal with this company as it is the second issue I have had with them. They provided a payoff amount including a {$30.00} fee to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to report that I had received a hard inquiry about an SBA loan on XX/XX/21, that I did not apply for. I had no knowledge about this inquiry. The inquiry made my credit drop down. I was told that the inquiry would be removed. I have worked hard to establish good credit. Will my credit score go back up?