23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited a check for XXXX on XX/XX/2021, at the XXXX XXXX XXXX XXXX, sc XXXX. On XX/XX/2021, the check was returned unpaid. The bank said it was fraudulent check, they cleared the check so I thought it was a good check. It came to me in a priority mail. I have a message saying it was a covid relief check grant. Know the bank is saying I'm responible for the deposit and they was going to cancel my account if i do not pay this in 60 days. They deposited the check into the wrong account. That account belong to my daughter. Her account has been connected to my since she was in college.
Product: Vehicle loan or lease

The week of XX/XX/XXXX, I spoke with a representative at Santander Consumer USA regarding a large payment onto my automobile loan. I explained to the representative the payment was for any late fees, current month payment in future payment. I explained that the payment was going to be in the next couple days and he told me he was going to notate the account. On XX/XX/XXXX, I called back to make the payment. I tried to make the payment for {$4200.00} one-time and the representative told me the payment had to be split into 2 payments. The payment was successful. 


In XX/XX/XXXX, I was checking my credit report and noticed I was reported for a late payment. When I called the automated system said no payment was due. When trying to reach a representative the wait time was extremely long and was locked out of my online account. 

I spoke to a representative today ( XX/XX/XXXX ) and I explained what happened. He acknowledged it was a mistake on Santander behalf and the previous representative did not apply my payment to the future payments and it was entered incorrectly. The payments went to the principal balance of the account. He requested for the balance to go towards the balance and to call back in 2-3 days to see the outcome.
Product: Credit card or prepaid card

I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and BANK OF AMERICA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed inaccurate tax liens on my credit report.On XXXX XXXX I sent a letter to Equifax regarding this matter. I stated that under the new law effective XXXX XXXX2017 any public record data must include name and address as well as SSN or DOB. I asked Equifax to please provide me with this information and they fail to do so I was not provided any documents supporting this incorrect information on my credit report
Product: Payday loan

I applied for a PayDay Loan on XXXX XXXX at the Money Mart store XXXX. My check was presented to and paid by XXXX XXXX Bank on XXXX XXXX, 2016. I went to the store to reapply for the loan and was told I could not do o because the loan was delinquent and to come back the next day. I thought this unusual as in the past producing a bank statement showing the paid check was sufficient. Today, XXXX XXXX, I went to a different store, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was given a letter from Monetary XXXX of California Inc dba Money Mart stating there was a current outstanding loan and only XXXX loan was permitted at a time. This company has had my money ( XXXX ) since XXXX XXXX, and insist I am delinquent.
Product: Mortgage

XXXX   XXXX ,  XXXX  : Refinanced my mortgage with  XXXX   XXXX  Bank.    XXXX   XXXX ,  XXXX  : Received notice from   XXXX   that Nationstar would be my new mortgage servicer beginning  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  : Reached out to both  XXXX  and Nationstar to determine my account number and other necessary information to remit payment on time. Neither provided account number ; told to wait for welcome letter.    XXXX   XXXX ,  XXXX  : Spoke with  XXXX  at  Nationstar  to inquire about account number and not receiving a welcome letter to date.  XXXX  could not locate account in the Nationstar system. She said loan has not boarded yet.  XXXX  explained, Legally I had a  XXXX  window with no payment due. Told not be concerned ; just wait for welcome letter.    XXXX   XXXX ,  XXXX  : Spoke with  XXXX  at  Nationstar  to inquire again about account number and welcome letter.  XXXX  reiterated what  XXXX  had said ;  XXXX  window and wait for welcome letter.    XXXX   XXXX ,  XXXX  : Received welcome letter dated  XXXX   XXXX ,  XXXX  stating payment due on  XXXX   XXXX ,  XXXX .  XXXX  with  XXXX  at  Nationstar  who confirmed there would be no late fees associated with account due to the  XXXX  window and  XXXX  monthly grace period.    XXXX   XXXX ,  XXXX  : Nationstar received first payment for {$2300.00}. ( Please see attached bank report. )  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  : Nationstar has received monthly payments ( {$2300.00}  )  all within the  XXXX  grace period. ( Please see attached bank report. )  XXXX   XXXX  : ( Uncertain of exact day, I believe it was  XXXX   XXXX  and I am positive it was between the days of  XXXX   XXXX . ) Received certified letter dated  XXXX   XXXX ,  XXXX  stating that my account was delinquent and that I owed a past due amount of {$3300.00} due in full by  XXXX   XXXX ,  XXXX , or else foreclosure. ( Please see attached letter. )
Product: Vehicle loan or lease

I don't even know why this interrogation was done. I did not have any application
Product: Credit reporting

Equifax LLC. continues to report unverified information on the credit report, in violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) as required byFederal law.
Product: Debt collection

XXXX from Featured Mediation called and left a message on my home phone on XXXX/XXXX/15 at XXXX. She said she was calling for my brother ( who lives in another state ) to collect a debt. My number is unlisted and further more my brother and I seldom communicate, less than once a year on cell phone, he does n't even know my home phone. I did not return her call as this whole thing sounds fishy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided copies of cancelled checks to Trans Union as proofs that XXXX XXXX XXXX had received on-time payments for XXXX and XX/XX/XXXX and requested Trans Union remove false statements initially reported as missed, and 30 days late for XX/XX/XXXX. I also requested that all reports of missed and late payments filed with the bureau by XXXX XXXX XXXX after the sale of the property in XX/XX/XXXX, and closure of the account in XX/XX/XXXX be removed and the credit report and score corrected. 
Between XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX filed several missed and late payments. On XXXX XX/XX/XXXX Trans Union decreased the credit score " 77 '' points. On XXXX XX/XX/XXXX the bank removed the missed payments and added new late payments and Trans Union increased the credit score by " 1 '' point. 
On XXXX XX/XX/XXXX XXXX  XXXX XXXX reported additional missed payments and Trans Union continues to accept false statements despite the fact the bank reported the account closed to the bureau on XXXX XX/XX/XXXX. To date, neither the bank or the credit bureau has made a conscious effort to correct the credit report.
Product: Credit card

I attended a webinar where I was told I would receive a free cruise and free trip if I were to sign up for this membership that I financed but the services provided through the membership are not what was explained to me in that I do not receive discounted airfare or trips. The hotel fares are not cheaper and there is no way to search for discounted airfare.
Product: Mortgage

Why is this a hardship and why did you cause this? Let me explain.

We knew our variable rate loan was going to change to a higher rate and knowing rates to be at historic lows, we decided to refinance this loan into a fixed rate product to lock in a great rate. Thinking that the best route to go to do this would be with the company that is currently carrying our loan, which is PHH. We applied to their refinance department and submitted all of the tax & income documents ( I'm self employed ) and after a few weeks your company oked the new loan and locked in a rate at 2.5 %. But after months of waiting and submitting more documents, we were told ( out of the blue ) that we did not qualify for the refinance loan. This was after months of us assuming that we had a loan. We have applied for a hardship resolution with them but have heard nothing back.

Their decision has now put us in a very bad financial situation. We can not now find another company to refinance our loan because they wrecked our credit because of the refi being rejected. Now we are stuck with a variable rate loan that will increase as we get older. This is not good.

Side note, we are current on our mortgage payments, have not missed a payment and have excellent credit rating ... .but I'm self employed and write-off a lot of my income.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below contains several errors and missing information, according to the FCRA Section 15 USC 1681 and 624 ( a ) ( 1 ) ( A ). This account is still not reporting 100 % accurate and contains the following errors : 1. Account shows several missing months of payment history 2. Account shows multiple charge offs and missing information. 3. Account shows in bankruptcy, how can a charge off and a bankruptcy be on the same account? 4. Account shows a balance of {$1000.00}, but shows no credit limit. EQUIFAX CONTINUES TO REPORT THESE ERRORS ON MY CREDIT FILE IN ATTEMPT TO MANIPULATE MY CREDIT SCORE. Now is not the time to update this account, it must be deleted from my credit report, as required under the FCRA. Account Name : XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of any information resulting from identity theft. 
Inquiries to be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit card or prepaid card

I have filed the complaint twice and keep getting same response. 
I am now hiring attorney since this issues making my life hard and ca n't get mortgage since over limit Barclay Bank reported to all 3 credit bureaus. 
This is very serious matter that the bank is rip offing their customers. 
Please see attached proof of evidence that they are not my charges. 
Some of the charges occurred when I was in XXXX, I am always traveling out of state and country as you can see.
Product: Credit card or prepaid card

Goldman and Sachs for my apple card account. Accepted my payment and applied it to my account with out making the credit available, and then reversed the payment a few days later. I have the screen shots of when they accepted the payment and the available credit was still left at XXXX. my payment was not returned to me and its been well over a month and a half. 
Notice of dishonor sent to CFO of Goldman and Sachs Next Day air express envelope. 
Tracking number XXXX XXXX XXXX XXXX XXXX. New Payment with tender instructions with a memorandum and bankers affidavit. 
I will be filing a 3949-A form with the IRS for failure to honor, process and credit account. This has caused loss injury and harm to myself and my offspring. an offer of performance was tendered in good faith as full satisfactory of their claim with the full intent if extinguishing any alleged debt, duty, obligation, or liability it is their duty to honor my instruments. They are also making false statements to the credit bureaus and denying, e access to my credit. I ask to have my instruments honored and access to my credit. also to have proper reporting on my credit reports.
Product: Credit reporting or other personal consumer reports

I urge you to do a thorough investigation and remove them from my credit report. I have submitted supporting documents to validate my assertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my account has been diligently neglected by Experian. Despite sending them letter last XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY REMOVE this account that is still reporting on my account : XXXX XXXX XXXX XXXX Opened Date XX/XX/2021 XXXX {$50.00}
Product: Credit reporting or other personal consumer reports

This complaint to JPMCB for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX  TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX I have attempted to each company with so resolution. These are unauthorized credit report request and I would like them removed from my credit report. This is hindering me from my own authorized credit needs.
Product: Mortgage

Attached email describes my concern regarding a request for an extended Forebearance that went into effect effective XX/XX/XXXX, twelve ( 12 ) months of Forebearance ended XX/XX/XXXX. 
However, I requested an extension from my mortgage company and would like for them to extend it to XXXX ( XXXX ) as outlined in the US Government regarding Forebearance Extension. 

This is not a complaint, but hopefully to avoid foreclosure as I am anticipating the Virginia Homeowner Assistance Fund to become live and active and to make application for Assistance with paying my mortgage. 

If these options are not available to me, I will need additional time to obtain other assistance that may be, or become, available to me and I need your agency 's help and guidance with my dire and pressing situation. 

Thank you respectfully, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a collection company trying to collect a debt showing it was opened on XXXX/XXXX/2015. 
The information in the Equifax report contains wrong and false information. 
Attempts to correct/delete the subject account have been made but the Equifax web site does not allow me to dispute the entry.
Product: Debt collection

I am an XXXX service member. In either XX/XX/XXXX or XX/XX/XXXX I received a collection notice from Convergent Outsourcing, who 's address is somewhat confusing and seems to be in violation of the 3rd party notification in the FDCPA section 807 ( 14 ). Meaning the return address is from XXXX in XXXX, XXXX, yet an address for Convergent Outsourcing is also printed on the notice with a XXXX, XXXX address. The complaint I have is that the collection that they are trying to collect is fraudulent and was proven so by the State Attorney General ( SAG ) in XXXX XX/XX/XXXX. In my response to that first notice sent by Convergent, I told them that the claim by XXXX had been investigated XX/XX/XXXX along with many others by the State Attorney General in XXXX after I was contacted by Asst SAG XXXX XXXX ( XXXX XXXX, XXXX office ), after the SAG launched an investigation due to a news cast done by XXXX XXXX in XXXX, as many XXXX residents had complained about receiving collection entries on their credit report from XXXX for accounts they did n't have. XXXX XXXX contacted me personally because although I was unaware of the XXXX XXXX broadcast, I had just submitted a compliant to SAG concerning XXXX after learning when trying to purchased a home, XXXX had made XXXX collection entries to my credit reports that I had disputed but received no cooperation from XXXX. I also reminded Convergent that if I had owed such monies, efforts for me to pay these monies were well past the statue of limitations time. I also asked Convergent to verify this debt, and to remove any and all transactions concerning this fraudulent debt from my credit reports if they had made such entries. I have yet to receive any validation, which I did n't expect to as there is none. However, I did receive an additional collection " settlement in full '' offer letter from Convergent dated XX/XX/XXXX for {$410.00}. They totally have disregarded my communication with them concerning this proven fraudulent debt by still insisting I have it and asking me to pay it. I will forward this same complaint with the XXXX in the state of XXXX and XXXX ( got the XXXX address info from an attorney site- XXXX ) as it seems Convergent has many addresses that they use. As I stated above I 'm an XXXX service member and have been for past XXXX years of my life, and to be hounded by a USA company who seems to cater to unethical practices is well ... a crime and XXXX shame!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  month to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Debt collection

XXXX XXXX XXXX, last 4 digits of SSNXXXX, DOB-XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B 15 USC 1681c-2 that Experian Credit Reporting Agency block information appearing on my consumer credit report that is the result of identity theft and fraud upon receiving this complaint. This fraudulent and inaccurate information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXXXXXX balance {$2100.00} opened XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance {$500.00} opened XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance {$1900.00} opened XX/XX/year>, XXXX XXXX XXXX Acct # XXXX balance {$1500.00} opened XXXX XXXXXXXX XXXX  Acct # XXXX balance {$4200.00} opened XXXX XXXX. I do not recognized the a forementioned accounts and collections appearing on my credit file and are as a result of identity theft. I have attached a copy of FTC Identity Theft Complaint # XXXX
Product: Debt collection

I have received multiple calls to my home and answering service from a company called USI Solutions saying I owe approximately {$400.00} on a credit card from XXXX XXXX XXXX from 2009. The calls began on XX/XX/XXXX to my home number, no message was left, but they left a message with my answering service which is a XXXX service where you just leave a message. I returned the call on XX/XX/XXXX. They said they had mailed this information to my XXXX XXXX , which I told them I did not receive. I said I did not remember having any credit card with this Bank, and I did not owe this money. I may have had an issue with a credit card in the past but it had been resolved. They said they would email me the information, which they never did. They implied I was being belligerent by refusing to cooperate. The call got disconnected, and they accused me of hanging up. I asked them if I have owed this money for 9 years, why am I just hearing about this now? I have has the same address and phone number for 28 years. 
I have received NOTHING IN WRITING FROM THEM! 
I have continued to receive calls to my home phone on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and my answering service on XX/XX/XXXX at XXXX XXXX, saying now that I had received the email from them, I should pay them what I owed. 
I obtained my credit report from XXXX, and I do not owe any money to any debt collectors or to XXXX XXXX XXXX cc. I refinanced my home one year ago, and I doubt I would be able to do so with a debt hanging over me. 
USI Solutions phone number is XXXX or XXXX, I spoke with XXXX at extension XXXX. I also spoke with her supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on XXXX XXXX XXXX  status. I have rights under 15 U.S.C 1681. XXXX is govern by 15 U.S.C 1681. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : Attach is FTC # : XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted a dispute regarding the inaccurate late payment information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], you are required to investigate and respond to disputes within 30 days of receipt. However, I have not received a response within the legally mandated timeframe. And I think this migth have to do something with the recently lawsuits against XXXX and Equifax and them failing to accurately process and inestigates consumer disputes. The following late payments are : XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXXXX/XX/XXXXXXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXXXX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX.