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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Nationstar Mortgage LLC d/b/a Mr. Cooper has been misapplying payments and reversing them and then reapplying them but causing a higher interest charge than when they were initially scheduled to be applied. 

On XX/XX/XXXX I made a payment for {$2000.00}, {$1100.00} for my normal monthly payment and {$900.00} for an additional principal only payment. The payments were both reversed and then reapplied. Then the {$900.00} principal only payment was reversed again and then applied to escrow. 

I then made a {$1500.00} payment on XX/XX/XXXX, {$1100.00} was for my monthly payment with an additional {$400.00} as a principal only payment. The monthly payment was applied XX/XX/XXXX as XXXX to principal, {$520.00} as interest and {$330.00} to escrow. The principal payment of {$400.00} was also applied. Then on the same day both the monthly payment and principal payment were reversed. They were both then reapplied. However, this time the monthly payment was applied with {$260.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. 

By them removing and reapplying the payment it lowered the amount I was paying down on my principal and increased their interest earning by {$2.00}, which will be even more over the life of my loan due to the higher balance after this payment. 

Then, on XX/XX/XXXX I made a payment of {$1700.00}, {$1100.00} to my monthly payment and {$570.00} to principal only. This time the monthly payment was applied with {$270.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. The {$570.00} payment was applied to principal only. Then again, on the same day these payments were applied, XXXX, they were reversed and then reapplied. This time the monthly payment was applied with {$270.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. 

This time the principal and interest difference was {$2.00}, in addition to the added interest I will be charged over the life of the loan. 

The next time I made a payment was on XX/XX/XXXX, I made a total payment of {$1900.00}, with {$1100.00} for the monthly payment and the remaining {$820.00} going to principal only. This time they applied the entire payment of {$1900.00} to my principal only. I then had to call them and have it corrected. But instead of applying it as I had scheduled it they applied it all to escrow. After contacting them yet another time they reversed the payments from escrow and applied the XXXX payment as {$270.00} to principal, {$520.00} to interest and {$330.00} to escrow. Which I have no doubt caused less to go to principal than it would have if applied correctly the first time. 

I have no doubt that this is an abusive practice to cause those that are attempting to payoff their mortgage early to pay more interest and have their loan open longer than planned to with the added payments and early payments.
Product: Debt collection

My information was comprised during a data breach and a debt collector by the name of Rozlin financial group started contacting me about a collection i totally unaware of i contacted the XXXX credit Bureau asking the to remove the collection or send me a Wet copy of the document with my signature showing that i agreed to the debt, it been more then XXXX  days and they have not provided any information, XXXX removed the collect but XXXX and XXXX are still reporting the collection.
Product: Credit card

XX/XX/XXXX I Charged {$78.00} for free XXXX pre-check fee. They will not re-imburse for this fee where I qualified for up to {$100.00} refund. They keep responding " we are unable to assist with the inquiry You book online at the priceline website using this visa card and they advertise XXXX rewards points. I have booked over {$1300.00} where they reroute the purchase through XXXX a " partner company '' and only pay XXXX points. Again they respond with we are unable to help with this inquiry. 

XX/XX/XXXX purchased a trip to XXXX for {$3100.00} on XXXX charges went thru XXXX on priceline XXXX points on XX/XX/XXXX and {$700.00} re-routed thru XXXX charges for XXXX XXXX XXXX  points XX/XX/XXXX XX/XX/XXXX purchased stays in XXXX XXXX XXXX  priceline with rewards visa and shows up as XXXX XXXX {$200.00} XX/XX/XXXX, XXXX XXXX {$200.00} XX/XX/XXXX, XXXX XXXX {$190.00} XX/XX/XXXX all being re-routed thru XXXX at XXXX points They will not do anything about this stuff other than make you talk to a person for XXXX who can't speak understandable english and then send a note a week later saying " we are unable to assist you ''
Product: Debt collection

Someone had used my identity to fraudulently open an account with XXXX XXXX XXXX in association with XXXX in XXXX, XXXX. I received a letter from XXXX XXXX XXXX XXXX from XX/XX/XXXX notifying me that after an investigation, they had determined that I am not responsible for the account in question. Despite this, Cavalry Portfolio Services LLC continues to send me mail and demanding payment on behalf of XXXX XXXX XXXX XXXX, now with the additional threat of late fees.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to express my concerns regarding several issues with the credit bureau, including inaccurate account listings, unauthorized inquiries, credit reporting errors, billing discrepancies, and accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone use my ss on this Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an alert from Equifax stating that my address had been changed. I check my report and validated with my current creditors non of which has requested an address change for me. I had OPT outs placed on my credit reports and freezes since XX/XX/2020 so did not understand how an inquiry was run and my address changed. Only 1 hard credit pull appeared on my report by a collection agency ( 3rd party ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, who is not a valid creditor which is why they had to do a hard pull and that was done without my authorization. Creditors perform soft pulls that are authorized. I have no collections or judgments on my credit report and at no time were they authorized to change my address. I " refroze '' my credit file again that day and had them put my address back as it has been for a few years now. I asked the credit bureaus to provide for me the name of the " creditor '' who requested the address change for me back to a property I no longer own or live in and they refused to provide that information. 

Again to day XX/XX/2020 I have received alert notifications that my address has been changed again with the same company being the only want inquiring about my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. Again I have no account with them and no collects on my credit file. But even if I did this is clearly abuse of the system to lower my credit score and the law is clear " A person submitting a false change of address form may be imprisoned for up to 5 years plus subject to a {>= $1,000,000} fine ''. I again began to write and call the credit bureaus demanding to know who submitted a change of address for me and was told by " XXXX '' at XXXX  that they don't track or keep who makes this type of request. '' I find it difficult to believe as this would leave consumers open to fraud, identity theft, etc. I am asking that the credit bureaus provide the name of the agency who has changed my address 2 times in the last thirty days so that I can take appropriate action. 

I would also like this complaint to include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Attorney XXXX XXXX XXXX ( XXXX ) XXXX, and I need to know who gave them expressed permission to perform a hard pull of my credit report.
Product: Debt collection

Transunion isn't reporting my credit report accurate nor updating information that's being sent to them
Product: Debt collection

Collection agency is not licensed in the state of XXXX. 
See attached document for proof. 
Collection agency continues to falsify invalid information.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

To reiterate, the items in question are : These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote TransUnion asking them to delete 2 collections from my report that are reporting inaccuracies, a XXXX account and regional acceptance account number XXXX aswell XXXX account number XXXX Ive stated certain laws to them that they are disregarding I even spoke with the XXXX at XXXX in the head of the fraud department and she told me she was not aware of law 15 usc maximum possible accuracies, no collection can have a late payment, the collections are still reporting late payments when they was agreed upon and paid off, these are terrible inaccuracies that are hurting me as a consumer and holding me back in life, XXXX is bullying me into a corner and they should be punished Im a us veteran who had served for my country I dont deserve this Ive wrote them since XX/XX/2022 its now the end of XX/XX/2022 XXXX
Product: Credit card

XX/XX/XXXX called customer service regarding refund to my card. found out a hold was on my card and needed to contact merchant for Fortiva to process the refund. Called XXXX XXXX found out there was no hold to process. Called Fortiva back let them know that the order had been canceled immediately so there was nothing to process. they said there was nothing they could do. they then said that my card was suspended I asked why. they could not give me an answer. they said someone would get back to me in 24 to 48 hours.

XX/XX/XXXX. I called Fortiva to see if I could get more answers. They transferred me. They said my card was suspended because they needed to verify me and to send a selfie of me holding up my license next to my face. I asked why was the card suspended, and why did they need the selfie, they said again to verify. no other clarification. 
XXXX. I called Fortiva again. this time I spoke with Fraud Supervisor. I asked Her to review the notes from the previous days and to please provide more details as to why my card was suspended. she said the account needed to be verified. she also mentioned that the 24 to 48 time period would not begin until Monday. I had mentioned that I was waiting to hear back for the reason why by phone or email and that it should be by the end of the day. she said it would not occur. Tuesday would be the latest. 
XX/XX/XXXX. As I write this today at XXXX I have not received mail, email, text, phone call, any form of communication from Fortiva about the details of this suspension of the card. I called again today, spoke to the Fraud supervisor XXXX, ID number XXXX who repeated the same message. Needs to be verified. I asked when the card was suspended. he mentioned it was suspended on XX/XX/XXXX. I mentioned to him that on the XXXX I had a purchase that got canceled by XXXX XXXX using the Fortiva Card, because they were not able to contact me to verify me to make sure I was making the purchase. I thought it was odd because they never did that before. and they had the correct info on my account to reach me. the other thing I noted was that on XX/XX/XXXX I made a purchase for the exact same Item using the Fortiva card, even though it was supposedly canceled. I even called XXXX XXXX to make sure I verified myself prior to the purchase just so they wouldn't cancel the item again. 
I brought this to the Supervisors attention and he made no further effort to resolve the issue, look into the claim I had made, nothing.
Product: Bank account or service

Failure to disclose investments. related cases are XXXX, XXXX, XXXX. " I '' XXXX XXXX XXXX have Assets, Investments, Securities and other personal and real property and co mingled Personal Fortunes. This includes Cash, Jewelry and other Assets which are stored in XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX. Citizens Bank ( formerly XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX to XXXX Safety Deposit Boxes. The City of XXXX, various Federal and State of XXXX and XXXX. These Entities should have Vested interest when these Boxes are opened as they are included in shares of the wealth of my Personal Fortunes as described with other additional instructions and information left in the Boxes. My sister XXXX XXXX XXXX, now of XXXX, XXXX was granted access under certain Terms and Conditions and has shares of the Assets if she performs per the signed Agreement. This was Signed in 1979 and the Agreement authorized by all Parties. This and other Agreement meetings were held from XXXX through XXXX of 1979 at XXXX XXXX XXXX in XXXX, XXXX. As best as described, a " Letter of Performance of all Parties '' was left with XXXX XXXX XXXX XXXX XXXX, all Parties, Myself-XXXX XXXX XXXX and XXXX XXXX XXXX have to be present when " I '' XXXX XXXX XXXX or XXXX XXXX XXXX or other Parties initiate the opening of the Boxes.
Product: Vehicle loan or lease

On Wednesday XXXX XXXX my car was repossessed without any notice or phone call prior to how long or how close I was to that point. I have been calling with the lender Hyundai Motor Finance every other day to let them know I will be making a payment due to me being sick with XXXX  and it taking me out of work for quite some time. Also due to many job changes, they have not offered me any payment deferrals or any type of assistance to help skip a payment or change my payment amounts to assist with keeping my car. They have done nothing but threatened me that my car will be sold in auction and are demanding XXXX $ to get my car back that they illegally repossessed and took without any notice to me until after it was collected. I am on the verge of losing my job, they have not been willing to release the car after making small payments and talking with them that they took it without notice to me so I am trying to get it back. I paid XXXX of that and now I am being told I have to pay the storage fees and the remaining balance which is deemed unfair to the consumer as myself. They also have my personal belongings and I have not been able to get in touch with anybody to get them. I want my car back now, and those fees waived.
Product: Credit card

I agreed to a balance transfer promotion which allowed me to get the money interest free for 12 months. I also made other purchases outside of that promotion. Today I want to pay off the balance transfer promotion amount. I called the company to get the amount and they advised. I stated I wanted to make that payment and I was told that because I have made other purchases and transactions, that my payments will first be applied to the new transactions/purchases and that based on their payment allocation abilities I the consumer am not able send in an amount for the exact amount due for the promotional offer and have that amount applied to the promotional offer which then leaves me to have to not only pay the promotional offer off, but also every transaction/purchase since in order to avoid interest on that promotional amount. This was never disclosed to me in any form or fashion. Other companies are able to specify which type of line the payment should go to " Specify where my payments are applied '' for example, but this company does not. Furthermore, I was given the wrong date to pay that promotional amount off, which has adversely caused me to be very stressed as I intended to pay it off when it was due and not earlier, they said a date earlier. I called again and got another date so now I really do n't know when it is due. I called to ask for my balance transfer consumer agreement and they advised that they could not give me that either. I asked where the general terms are, and they could not provide that. It is not in the best interest of the customer to apply a monthly payment to the line of credit with the lowest interest or to a promotion amount before applying it to an amount with the highest interest rate. That also happened without my consent. Their terms for " How my payment is applied '' state that " Generally, they apply it in a certain form or fashion, I as a consumer need to understand what " generally '' means, and how I can be satisfied by being able to make a payment to a promotional offer in its entirety without having to pay also purchases that were made afterwards that have no end date for incurring interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a hard inquiry was placed on my trans union credit report from XXXX XXXX. It states that it is a miscellaneous inquiry but it was a hard inquiry. No way to dispute hard inquires on line with trans union and Ive been unable to speak to a live person. When calling you are sent to a series of prompts making it very difficult to get resolution. I did not authorize this hard pull of my credit nor did I initiate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit history of 21 years. This month, I checked my credit score through XXXX and saw my score had dropped XXXX points, because my length of credit history was 5 years. 

I called XXXX, they told me they use Transunion scores. I called XXXX  last week to explain, and was told it was being escalated and they would call me back. 

They did not call back, and there was no sign of it having been reported at all. I called Transunion today, to be told that - while XXXX says they use Transunion, there's no guarantee they aren't using outside third-party metrics bla bla bla - and, in short, there's nothing they can do, either. 

My XXXX and XXXX show the correct length of history. Why has XXXX/Transunion lost 16 years of credit, and why won't they fix it? I'm furious.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX XXXX XXXX onXX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete these accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX