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

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX   XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

On XX/XX/XXXX I received a notification stating Jefferson Capital put a collection on my credit report. They state the bill is XXXX. I have NOT been with XXXX  since XXXX and there was no bill!!! I called and spoke to a manager named XXXX whom hung up because I would not give my ssn. 1 ) This bill is not mine and should not be on my credit!!! 2 ) Statue of limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Product: Mortgage

In XXXX I needed to file for bankruptcy. This was due to a hardship and fell behind a couple of months during my loan with XXXX. On XX/XX/XXXX, I had the bankruptcy discharge in the amount of {$33000.00}. The amount included my late payments, lender fees, attorney fees and interest ( Attachment 4 ). 

Sometime at the end of XXXX, XXXX sold my loan to XXXX. When XXXX received my loan and I started to get mortgage statements, they wanted to charge me interest for 1172 days delinquent in the amount of {$92000.00}. Since I had made every payment during and after the bankruptcy, I questioned them about this ( also contacting my bankruptcy attorney ) to find out why I was charged interest during the bankruptcy period. ( See Attachment 1 ) On XXXX XXXX, XXXX I received a breakdown of payment history that included {$410000.00} of delinquent interest. After contacting my bankruptcy attorney, I was told that they could not charge me interest during my bankruptcy payback period since my regular mortgages were paid on time. 

At this time I owed approximately $ XXXX on my mortgage. When XXXX sold to XXXX the amount owed on the mortgage went to {$260000.00}. I contacted the Department of Banking. I was told XXXX informed them I did not have hazard insurance, even though I did, and that is what the fees were for. DoB informed me that XXXX had a lawsuit for just this issue, which I knew, and had actually filed a suit with ( Attachment 2 ) was provided proof of this, and in XXXX of XXXX I received a statement saying I now owed XXXX, not XXXX. Some improvement - but still not correct. 

XXXX then had me sign a HAMP for $ XXXX because if I did not, my payments of $ XXXX would go to over $ XXXX. 

Then XXXX was bought my Mr. Cooper in early XXXX. In XXXX of XXXX I received my first statement with additional Lender Fees of {$22000.00} ( Attachment 5 ). 

I have been asking for over 3 years for a breakdown of these " Lender Fees '' and sending documents of everything they have asked of me - multiple times. 

I even inquired about refinancing with Mr. Cooper, and ironically,, they said they would drop the $ XXXX but my payments would only decrease by $ XXXX. 

I decided to go with someone else, and ironically, after another mortgage company asked for a payoff amount in XX/XX/XXXX, I received notification on XXXX XXXX that they are selling my mortgage to XXXX XXXX XXXX XXXX. 

I am at my wits end. I can not get a straight answer and nothing is adding up. Please help.
Product: Credit reporting or other personal consumer reports

I submitted the dispute to TransUnion via their online portal ( XXXX XXXX XXXX.transunion.comXXXXXXXX ) on XX/XX/2024. It was completed on XX/XX/2024, without a real investigation. Upon contacting TransUnion on the same day, I was advised to resubmit the dispute, which I did. 

I provided vendor information and proof that I owed nothing and that the charge was an error on their billing department 's part. The vendor ( XXXX ) auto-credited the account to a XXXX balance to correct their mistake. They also confirmed they would inform the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) of the error.
Product: Mortgage

On Tuesday XX/XX/2023, I was connected with XXXX XXXX ( Licensed Loan Officer ( XXXX # XXXX ), Prosperity Home Mortgage Direct ( XXXX  # XXXX ) ) through XXXX. I was looking on XXXX just to get an idea of rates. I was connected with XXXX within minutes. I informed her that I was interested in looking into a HELOAN for {$20000.00}. She confirmed she offered this product and proceeded to take my information. Approximately 20 minutes later she called me and said that she had good news, she had great refinance options for me. I told her I wasnt interested in a refinance ; I was only interested in a HELOAN. She said with the amount I wanted to borrow, she couldnt do a HELOAN and reiterated she could do a refinance. 

XXXX knowing that I was only looking into a {$20000.00} HELOAN and knowing that she COULD NOT help, still took my information and ran my credit. She intentionally misled me from the beginning and ran my credit knowing she didnt have the product I requested. I don't even think Prosperity Home Mortgage offer home equity loan/line of credit options ; however, she still took my information, processed an application and ran my credit. 

The first issue- XXXX should not have proceeded with the application or the credit pull because she didn't have the product/service I was interested in. 

Secondly- as a result of the credit pull, I have been inundated with calls and text messages from loan officers, brokers and mortgage companies that believe Im looking for a mortgage or a refinance. I received 67 CALLS on XX/XX/XXXX starting from XXXX XXXX to XXXXXXXX XXXX This was even with me turning my phone off periodically throughout the day. I ultimately turned my phone off at XXXXXXXX XXXX  or who knows how late the calls wouldve gone. This also doesnt include the numerous text messages I received. The calls started again today ( XX/XX/XXXX ) at XXXXXXXX XXXX keeping pace with yesterday. This is maddening and absolutely ridiculous!
Product: Checking or savings account

I Purchased a clothing from a online app on XX/XX/XXXX & didnt receive my package so I tried to reach out to the the merchant, told the merchant I didnt receive my package then I contact the bank & requested a claim for a refund on XX/XX/XXXX I also reached out the next day on XX/XX/XXXX & told the merchant I havent received anything. Somehow, Today on XX/XX/XXXX at XXXX I have an overdraft from the same merchant for {$220.00} in a reversal claim when I still havent received anything from what I purchased. I will like to receive some help on how I can fix this
Product: Consumer Loan

Honda Financials for a leased vehicle confirmed that a payoff payment was received form a 3rd party and that they have validated and processed the payoff. They send me the payoff confirmation, lien release and title. I proceeded to hand over the vehicle to the buyer. 

Honda now tells me that payment was not realized and has opened my account back up again. the buyer has since disappeared and sold the car to a Honda dealer, who is now listing the car for a sale Honda takes NO Ownership and can not explain why they released title without confirming funds were received. I have no way to recover the money nor fight honda in court. the bill i have to pay exceed {$24000.00} How can a financial institution release title without confirming funds. Also they never reached out to me letting me know to hold the car back!
Product: Credit reporting or other personal consumer reports

These accounts are hurting me. They are not verifying my personal information and are giving me incorrect personal information. 

I need it removed from my credit. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The principal balance of my HELOC was " forgiven '' by Bank of America, as result of the Department of Justice and XXXX XXXX XXXX global settlement with major mortgage servicers in 2012. Per the forgiveness agreement with B of A ( copy attached ), the bank was to " report to the major credit bureaus that your account was paid and closed. ". Contrary to our forgiveness agreement, B of A has reported the account as a charge off ( copy of XXXX Report attached ). My communication with the bank has not been successful in getting them to correctly report to credit bureaus.
Product: Checking or savings account

EXTREMELY URGENT! 


I opened my Upgrade Savings account on XX/XX/year> and deposited {$50000.00} on XX/XX/year>. The account accumulated interest and I received a referral credit on XX/XX/year>. On XX/XX/year>, I filed a wire request online in the amount of {$50000.00} to be sent to my own account at a different bank. 

The wire was never sent out, and my account was suspended on XX/XX/year>. I no longer have access to my own money. Upgrade refuses to tell me why my account was suspended and when I will have access to my money. 

Further details are provided in Exhibits XXXX.
Product: Mortgage

I took out a XXXX XXXX  loan for an investment property in XXXX. It was locked at 3.89 % for ten years and then would adjust each year. 

In anticipation of the first adjustment, last year I called the current loan holder, NewRez, to confirm the following two things : ( 1 ) That the date up to which I could pay down additional principal before the loan " reshuffles '' /adjusts to the new rate was XX/XX/XXXX. 
( XXXX ) That, as per the terms of my loan, the most the new rate could adjust in any period is 2 %. Therefore the loan would go to 5.89 % I made a series of payments at the end of XXXX and up to XX/XX/XXXX. The existing principal as of XX/XX/XXXX was just shy of {$80000.00}. 

They now say my loan payment is 7.75 % and the payments are based on when the principal was around {$130000.00}. 

I have made numerous calls, and given their online portal ample time to " get caught up '' if that's the case. No one I have spoken to seems knowledgeable enough to help. I submitted an email complaint, and apparently I may hear a response in 30 days. Time is money and this is unacceptable business practice. 

I am in the very fortunate position in which this loan is relatively not very high, and I can pay it off if I want to. But what about other people. This is very predatory -- just giving no kind of knowledgeable service and acting confused while overcharging -- in this case double the amount.
Product: Debt collection

I have asked for validation and verification of the debt with zero response proving the debt or any response at all and both letters sent certified.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX XXXX Account name : # XXXX XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The FCRA and also hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loans were supposed to be placed in a deferment status while trying to attend school and they ended going into a delinquent status causing negative damage to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 credit cards that credit one has failed to report to all 3 major credit bureaus that I have paid each month. For over a year I have been paying my two credit one cards, they take my money but fail to report to XXXX  and XXXX  and they have not updated equifax since XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act... 
The following Accounts .... 

Time payment XXXX XXXX XXXX dealer services XXXX XXXX credit card XXXX XXXX card services XXXX XXXX  Have all violated my rights 15 u.s.c 1681 section 602 A ... .states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 .... it also states consumer reporting agency can't furnish information on an account without my written instruction.
Product: Credit reporting

Credit Bureaus failed to address score factor, which resulted in approving personal loan, credit card applications. Insist on reporting accounts as adverse or maybe considered negative. Inconsistency in credit scores. No justification received. Credit bureau data input does not warrant accounts being reported as adverse/considered negative. 
See attached for additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft  my wallet with all my personal information was stolen and used to open unauthorized accounts. Enclosed is a copy of my police report and proof of identity. 
XXXX XXXX  XXXX/XXXX account # XXXX XXXX/XXXX XXXX account # XXXX XXXX XXXX account # XXXX Are accounts open due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a United Airlines credit card through Chase Bank. Applied XXXX different times. 
Received letterS stating XXXX has an extended alert on my account and to call them. 
Called XXXX- they state there is no such alert on my account. 
I have called XXXX on XXXX separate occasions over the past month. 
I have spoken to Chase Bank 2 times. 
I'm stuck in the middle. 
There is no alert. 
My credit is excellent - XXXX. 
XXXX now says to call Chase and have them call XXXX. 
Chase says to come into a branch office for some reason. 
I need to be sure that XXXX will not be giving out bad information. 
Feeling frustrated and caught in the middle.
Product: Debt collection

Several requests have been sent to this Debt collector. This is the formal complaint against BULL CITY in regards to acct # XXXX. 
I have not received any response, for the company has failed to comply or adhere to my previous request that was sent by certified on XX/XX/2021. By not replying they have failed to adhere to the FCRA by not responding within 30 days nevertheless 60 or 90 days.
Product: Debt collection

Diversified Adjustment Service sent a letter to me dated XX/XX/2018 claiming I owed a cell phone bill from XXXX. I promptly contacted " DAS '' and told them I did not know what they are talking about. The debt was added to my credit report without my knowledge anyway. I then sent two certified and Notarized letters to " DAS ''. One was a section 609 letter the other was a section 605 letter asking to verify the debt. Their company could not verify the debt so it was removed before 30 days had lapsed. However, XX/XX/XXXX of this month " DAS '' added the debt again without any notices no correspondence what so ever. I contacted " DAS '' directly to let the company know that they violated the FCRA by not contacting me and not verifying the debt. I spoke to two representatives and verify myself and they both said I owed the debt they wouldn't listen to anything I had to say they both were very rude one going by the name XXXX. I then contacted XXXX to file a complaint with the company the company claimed they didn't know who I was. I have all correspondence that was sent to " DAS ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with fradulent accounts removed.
Product: Mortgage

I have been paying my mortgage through on line banking since PHH took over this mortgage in XXXX. At the time, it appears they increased the mortgage due to an escrow change ( XXXX times over a XXXX month period ) yet did not notify me. As a result, my mortage payments for a period were slightly insufficient, then slightly over the amount owed ( after they did some kind of escrow correction ), and then again slightly insufficient after yet another change they made ( I.e. my under and over payments were roughly {$100.00} on a {$6000.00} loan ). Because I had set up monthly auto payments from my bank, I did not look at my electronic bills from PHH. At no time did they send notice to me on escrow changes electronically or via US mail. At XXXX point in XXXX, they unilaterally applied an entire mortgage amount to the principal ( because they state it was not the exact amount and that is their policy ) thereby putting me in default for an entire year after that because the amount had not been applied to any interest. I had no way of knowing this, ( except apparently had I looked at an on line statement, but even if I had, there is no notice of default statement until XXXX of XXXX ), at which time I also received my XXXX  US mail letter which I opened and immediately responded to. 
Yet PHH is inconsistency applying its policies. I have unknowingly been underpaying and overpaying for over XXXX years now, yet for all but XXXX payment, it has applied my payments to principal and interest appropriately ( even when not the exact amount ), yet last year took the {$6000.00} payment and applied it all to principal. There is no adherence to their own policies. 
Just today, after having spent XXXX hours on the phone with the service representatives last week and making the exact payments they told me to make, I see a credit on my account that it not only entirely different from the amount I paid, it is drastically overstated. 
Lastly, for the last XXXX  years, I have had a credit score over XXXX. I pulled my XXXX XXXX today, and learned that PHH has reported late payments and default, reducing my score by over XXXX points. 

PHH is operationally unsound, their people incapable helping resolve issues, have damaged my credit, and have assessed nearly {$3000.00} in late fees that I feel are incredibly unjustified. 

Please let me know what you advise for next steps. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate information on my credit report. Upon reviewing my report, I have noticed that there are addresses and names listed that do not belong to me. I believe these inaccuracies are affecting my credit score and may be the result of a clerical error, identity theft, or a mix-up with another individual. 

The following incorrect information appears on my credit report : Incorrect Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I spoke with a Capital One representative in XX/XX/XXXX and was told that my account would be in good standing for 28 days. I scheduled my payment on XX/XX/XXXX. I got behind on my auto loan due to downsizing with my employer. I communicated with Capital One that I wanted to keep my vehicle and was making strides in restoring my account. On the call I made on XX/XX/XXXX, I was told that I would be able to make arrangements on my auto loan to by a modification as soon as my payment was received. With my account in good standing. On the XXXX I was emailed documents to complete and was instructed to fax them back once they were completed. I completed the forms and fax them back as instructed. I contact Capital Once on the XXXX to ensure that my forms had been received. However, I was told that they weren't received. I re-faxed back several times unsuccessfully. I asked if their was another way for the form to be submitted and was told that I could email them. I emailed the documents and they were received. The representative told me I would hear back from someone in two weeks. I NEVER received a call. On XX/XX/XXXX I received a letter informing me that Capital One had attempted to contact me & that I had to the XXXX to respond. I didn't receive the letter until the XXXX .Also, I have no voicemail from Capital One & was informed that my voicemail wasn't set up when it indeed is. I never have had a problem with them contacting me until now. Since I received the letter on the XXXX th & the XXXX was on a Sunday. I asked them if they would be willing to work with me since I just received the documentation and had no other contact from them and was told that the modification was denied. I asked to speak with a supervisor and was told that their was not a supervisor for that department. I continually asked if their was someone else I could speak with to assist me & was finally transferred to escalation department. When transferred the representative was rude and interrupted me frequently not allowing me to speak. The representative was not at all helpful.My vehicle was repossessed on XX/XX/XXXX. I have been trying to resolve. This is not the information I was given when I spoke with a representative.