23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

See Previous Complaint # XXXX I received correspondence from Loancare, and they sent me another standard letter. The problem with information stating that I missed one payment is still showing on my loan. Also, in the message, it said that my request had once was again denied for PMI removal. And that I could send {$420.00} to have my home appraised to calculate an accurate appraisal amount. I sent the payment to a separate location and waited for the 60 days to get contacted by the company. No one ever contacted me about the appraisal. I called today to inquire about the assessment, and once again, they applied the payment to my principal balance. When I made the dreadful call to customer service, I kept getting the sir I understand your frustration response, which they do not, or they would try to do more to help me. Again she stated that she could only put in a request for the internal insurance department to review the misapplication of payment. I again asked for someone to speak too that could resolve the issue ; I received, " They are going to tell you the same thing. '' I demanded to talk to her manager. I waited on hold for an hour, and a hostile manager stated that they could not do anything. I again demanded to speak to her manager, and she said there was no one else that could resolve the issue on this call, and there was no one else to talk with currently. After I debunked the incorrect response because there is someone that manages you, she said, your just going to wait on hold an hour again. I requested to wait. After the hour on the phone, someone picked up the phone and disconnected the call. I am more than fed up with Loancare 's ineptitude and will try CFPB one more time ; before I proceed with legal action. My expected outcome is to have the appraisal amount go towards my appraisal and to get PMI removed.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report a collection account that is not correct. The account listed as XXXX XXXX XXXX is not my account and I have previously multiple times disputed this account and yet they refuse to remove the allege debt. Since XXXX XXXX XXXX refused to remove the account I filed a federal lawsuit against the business and filed a small claims lawsuit against each consumer agency which means this account can not report until after the court order has been given. This is notice that I will be charging {$2000.00} per day that this illegal collection continues to report. Failure to remove this collection I will use this complaint as evidence during the court proceeding to state I did try and work this out. Please forward this complaint to your legal team that is representing each consumer agency.
Product: Credit reporting or other personal consumer reports

I reviewed my credit profile on XXXX, 2025, and I noticed inquires I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nebraska XXXX XXXX needs to be deleted off my credit reports. It is 7 years old, it is settled and is still on my credit reports. I am trying to buy a home for myself and XXXX children and need this deleted.
Product: Debt collection

Received a letter in the mail Monday, XX/XX/23, from Collection Bureau Hudson Valley, claiming I owe {$780.00} to Optimum. I have never had an Optimum account and do not owe them anything. This fraudulent communication is bothersome and potentially harmful to those who may not realize they don't owe anything.
Product: Credit reporting or other personal consumer reports

Initially my mortgage was with XXXX XXXX and was sold to Freedom Mortgage, without my consent or knowledge. I had my mortgage payment set up on automatic payments and when they did the switch they failed to switch the banking information and they failed to notify me via mail or email of the new mortgage. Because I usually carry a high balance on my checking account and dont have constant payments set up, I do not check my bank account on a monthly basis, usually I check it every XXXX months. On XXXX, I noticed that my mortgage was not being withdrawn from my account. I called service XXXX and they said they no longer had my loan and provided me with the new mortgage institution name. I called them several times since I did not have a loan number or any information to go by, they were giving me a hard time to pull up my information with my social. Finally I got through them and notified them that I did not receive any documentation of my loan switching to their bank Freedom. I also notified them that I was not receiving any mail, statements or bills. I scheduled a payment in XXXX with their phone system, and asked them if they could set up on automatic payments. Again, in XXXX, I called them to notify them that I still had not received the documents in the mail or email, at that time I scheduled another payment with them, since their online portal was not allowing me to set up automatic payments. I had to call numerous times because I couldn't set up an online account and I couldn't set up the automatic payment. At that time, my grandfather passed and I had to travel outside the country for the funeral arrangements. I left my husband in charge of any bills/mail. Since I had just talked to them about the missing documents, I was expecting to receive them in the upcoming weeks. Due to my circumstances, I did not have the head to think properly and follow up with Freedom again. Freedom has written documentation that I was having issues with not receiving their mail and they didn't even have the courtesy to call me days after my payment was missed. My husband was responsible for any incoming mail. Should they have called or mailed something, we would have paid right away. When I arrived in XXXX, I noticed again the mortgage didn't come out. I called again to notify them and ask why they didn't mail us the proper documentation. I reached out several times in XXXX and XXXX to request the removal of the derogatory late payment, I have never had a late payment before and my mortgage has always been set up on automatic payments. I did not authorize my mortgage lenders to change, and it truly isn't fair how mortgage lenders can just dispose of you as they please without even notification or approval. Not only has this brought so much emotional distress, it has also caused my business to suffer. We have over XXXX XXXX who truly depend on me and this derogatory late fee is causing so many problems that you can't even imagine.
Product: Prepaid card

I filed XXXX individual Disputes on XX/XX/2024 when I was made aware of fraudulent charges to my debit card from XXXX  and XXXX. There were XXXX transactions on the first claim and XXXX transactions on the second claim. On XX/XX/2024 Skylight one debit card issued me provisional credits and then took them back to make my account in the negative stating that I had not sent a letter of Dispute.. I had sent a letter of Dispute and also had filed a dispute online with the bank. I still do not have these disputes resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Experian product " Boost ''. I signed up for the program to examine my monthly utility bill payment records. The company is not reporting my payments accurately. I have accessed to program a few times to place the automatic payments in the system and the program still is not recording accurate and timely payments. 

My bills are paid automatically and timely directly to the vendor. I called Experian numerous times and I am unable to speak to a representative to correct the issue. The toll-free number has loop recordings. 

In my case, the Boost program is not working as it was intended.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems continues to violate all of the FCRA laws in place to protect consumers and victims of identity theft. Not only did Chexsystems advise they wouldnt assist me with the inquiries they let go through WITH A SECURITY FREEZE ON MY REPORTS. Additionally these inquiries are duplicated and triple. I did not authorize these nor did I apply for any bank accounts. Also they have fraudulent addresses listed on my Chexsystems reports I have disputed these as well as requested this be blocked. The FTC is a Government Agency setup to assist consumers and protect their rights. As a victim of identity theft and by the FCRA laws, and also according to your website. If I provide you notice of Identity theft, also provide you a document declaring Identity theft, I have a legal right to ask the consumer agency to block this information. Additionally you stated XXXX XXXX inquiry in XX/XX/XXXX was authorized, however I havent applied for any account or service with them in XX/XX/XXXXat all. Therefore that is false and you continually put fraudulent information on my reports abusing me as a consumer.
Product: Checking or savings account

Capital one holding not only my direct deposit from my job but also now I cant access any of my funds in any capital one account
Product: Credit reporting or other personal consumer reports

Back on XX/XX/XXXX, there was fraudulent activity occurring with my checking account. I had to get a new checking account and new debit card. When my bank account and card changes were complete, I immediately updated all sites where my information was maintained, including Discover. 

I made the changes to my account with my financial institution on XX/XX/XXXX ( checking account + new debit card ) and my old account closed on XX/XX/XXXX. 

I made a payment to Discover for {$470.00} on XX/XX/XXXX. Keep in mind, my new account number was already updated. 

On XX/XX/XXXX Discover 's site says " RETURNED XXXX XXXX  '' along with " RETURNED XXXX XXXX '' for {$30.00}. 

Once I noticed that the returned payment and fee was applied to my Discover account, I contacted them immediately. I had PLENTY of funds in the bank to pay. They told me that the reason it rejected was because the system application they use takes XXXX billing cycle to acknowledge new payment updates. 

Discover refunded me the {$30.00} " return '' fee, however, the charges on my Discover account that I initially paid ( for the {$470.00} ) hit past due TWICE in the months of XXXX and XXXX according to XXXX! My XXXX XXXX dropped XXXX points in XXXX month alone. Now, I don't know how many of those points actually pertain to this matter but I am certain they make up for more than half of the XXXX. I just spoke with a credit bureau and they said they can not determine individual points on a more granular level. 

Regardless, I have attempted to have this resolved MULTIPLE times over the phone with Discover and everyone refuses. I am not sure why. I called them yesterday on XX/XX/XXXX and told them that if they didn't validate for me this last time that I was going to report them. Again, to no avail, we got to a point where they were unwilling to share information ... MY INFORMATION, WITH ME! 

For purposes of this matter, I am disputing the credit reporting from Discover and request that they validate the derogatory information that was sent to the credit bureaus and have it reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I have been a victim of identity theft. The way I found out is that I went to XXXX XXXX XXXX to apply for a loan and I was not approved because apparently there are a total of seven accounts reflecting badly on my credit report. None of those accounts are mine ; I did not open any of them and I did not give anyone else permission to open them in my name. I did not benefit anything at all from these accounts and I did not contribute to any payments or purchases made with these suspicious accounts. I do not have any type of written/verbal contract/agreement or relationship with any of those companies. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding all of these accounts that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing about the ongoing issue of fraudulent items in my credit file. 
Moreover, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The ongoing presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the items from my credit report. Failure to do so will compel me to escalate this complaint further with you and seek legal recourse to protect my rights as a consumer. Kindly help me remove the following items immediately : 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 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: Debt collection

XX/XX/2023 my debt was re-aged causing my credit score to decline again. My credit score already took a hit when XXXX reported to credit report. The attempt to re-age a debt when the debt is set to fall off is illegal! The next step will be to sue this company.
Product: Credit card or prepaid card

Please see closed complaint XXXX AMEX CFPB Ref No : XXXX Ref : XXXX I have attached additional documents and have provided the account number that the payment was sent to. I have also attached the XXXX transmittal showing the charged balance to my XXXX account ending XXXX, proof of payment from XXXX, and the incorrect account number. Both AMEX account numbers are noted in the documents. At this time, I am requesting for AMEX to re-review my documents, apply the payment to the correct account, and to reverse any late fees and finance changes applied to the account after XX/XX/2023, as that is when the payment should have been posted to my count.
Product: Debt collection

Company made claims Utility was not paid, charged extensive cleaning " fees '' despite apartment having already been cleaned when moving out. Provided no proof of unclean state of apartment or unpaid debt. made no attempt to respond to my contact. damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to each credit bureau ( XXXX, XXXX and TransUnion ) on XX/XX/2023 regarding some inaccurate information reporting on my credit report. They are all reporting different information on the same accounts. None of the bureaus have responded and it is well passed the 45 day response period.
Product: Student loan

I originally had XXXX as my loan service provider. Prior to Covid I negotiated my monthly payment to {$400.00}. XXXX became my new loan provider. On or about XX/XX/XXXX I reached out to XXXX to resume my payments and was told to consolidate my loans which I did and was transferred to Mohela as another loan service provider. My new loan payment is {$1100.00} for 8 months and will increase to {$2000.00} for 24 months. Every time I call I am referred to SAVE program that computes higher repayment amounts. 

In addition I applied for the loan PSLF associated with my place of employment. I received notification in XX/XX/XXXX that my employer qualified. To date not received confirmation my loans are forgiven. 

I want Mohela to honor my monthly payments of {$400.00}. 

I want status on my PSLF application. 

Thank you, XXXX XXXX
Product: Checking or savings account

I tried disputing a transaction with XXXX XXXX XXXX. I paid XXXX membership fee for a credit line which would report to all of my credit reports ( {$10000.00} line ). 
When waiting from XXXX to now. Pend fed has pull my credit report several times I can confirm that I never received the credit line. 
The company currently doesn't have any physically store that are open. But the main purpose of me getting the account was for the credit line to report to my credit reports. 
I had to connect pen fed several times over the span of a few weeks in XXXX to dispute this charge. its was never properly handled. 
I originally received a letter after less than a we closing my first dispute attempt. The letter claimed I got a temp credit I never received the letter list a that they tried to reach out to me in though the never did. And the call back number on the letter wasn't even a working number. 
After reaching out the XXXX dispute attempt was closed in about a week or so. This time I actually received a temporary credit that was suppose to be taken back but is the still sitting in my checking account as of the time of writing this. 
They assigned the dispute back to Each and every time I called I was told by a baseline rep the was much they could see and attempted to get me to the dispute department. No one from the disputes department would talk to me or call back. 
I received an email and also was told I would receive copies of the contract and information of the dispute. I have yet to receive anything b mail and majority of the links in the email did not work.
Product: Student loan

I make my minimum payment each month around the XX/XX/XXXX. Then I make a follow up payment to pay down the principle. 

My extra principle payments have not been going to principle, they are still taking a percentage out to go towards interest. I do n't believe this practice is legal. I understand if I pay the interest on my first/minimum payment, but all subsequent payments should be going towards principle and they are not. 

The attached picture highlights the additional payments towards principle and the interest that was taken out of those principle payments.
Product: Credit card

I got charged {$39.00} for over the limit charge. I did n't signup for over the limit protection & do n't want over the limit protection. When i called the credit card company they say I do n't have a choice in removing over the limit protection.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I had received email from Kikoff Lending LLC and this what they said in the email response. 

XXXX, We have received a letter/email disputing certain information reported to consumer reporting agencies regarding the status of your account. We have reviewed our records and have determined that the attached letter constitutes a frivolous or irrelevant dispute under the Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ( 8 ) ), and therefore, an investigation is not required. 

We have made this determination based on the following facts : We have a reasonable belief that the dispute has been submitted on your behalf by, or has been submitted on a form supplied to you by a credit repair organization, as defined in 15 U.S.C. 1679a ( 3 ), or an entity that would be a credit repair organization. 
If you would like us to further consider this dispute, please contact us at XXXX and provide us with the following : Any new information regarding the account that has not been previously submitted. 
Sufficient information to identify the account that is in dispute, such as an account number, name, address, and telephone number. 
The specific information that you are disputing. 
An explanation of the basis for the dispute. 
Supporting documentation or other information to substantiate the basis of the dispute. This documentation may include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements. 

Regards, Kikoff Customer Operations This is a failed to respond to my dispute letter that I sent which is a violation FCRA, CRAs. I sent in proper I.D., Social Secuity Number, and Lease Agreement stated this is me and they didn't do what they supposed to do. I also sent in a tracking number XXXX # XXXX that is certified to the with the proof of the documents of my dispute that's being reported in my credit report for XXXX.
Product: Credit card or prepaid card

This makes the 6th or 7th complaint against XXXX XXXX XXXX XXXX. 
On or about the beginning of XX/XX/2018 I wrote about the inept and horrible customer service via their XXXX #. They transferred me to XXXX, some other place, and kept me on hold for over 3 hours. Each time I was transferred to a different person I would ask for a manager but only to be ignored. And with each transfer, I was asked the same probing privacy questions ( name, address, birthday, last 4 of social, etc. etc. etc. ) After being on hold for this long and disregarded I repeatedly asked for managers ... but it was their own XXXX over my frustration that escalated my call to their " fraud dep '' and where this matter is not being handled now. 
Since this time I have sent my license to them at least 7 times. A few weeks ago, I again contacted their " exec. resolution '' office, someone named XXXX said he had NO PROBLEM seeing my license, which he also saw was in the system at least 4 times. I am of course furious at this time ... he tells me he is going to " escalate '' the call to a manager in the fraud dept. and make sure someone calls back. Of course, as usual, days and days go by with no call from the fraud dept. I was told someone named XXXX was not allowing anyone else to speak to me. After another call to these offices someone said they would send an email to her manager. I am waiting to see if she calls back. In short : 1.  Both of my cards have been locked. One has a balance of XXXX and the other just over {$1000.00}. 
2. They had my license for over a week the first time I sent it and didn't bother to say anything until I kept calling. 
3. They seem to purposely incite anger and frustration so they can make excuses for their own mistakes and terrorism. 
4. They have my social security number, license number, address, card history and customer history. 
5. Letters to their CEO and other executives are ignored and/or " handled '' by the resolutions office to no avail. 

It appears that I myself have to contact law enforcement, the US Marshal 's Service (? ) and report this as a purposeful act to cause harm and emotional distress to an average citizen.