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

I have a mortgage for XXXX XXXX XXXX XXXX in XXXX, OH. I own it as a rental property. This mortgage used to be serviced by SLS/Shellpoint. Early this summer, it was transferred to XXXX Mortgage. When it was transferred, XXXX had the subject address ( XXXX XXXX ) as my mailing address instead of my actual mailing address ( XXXX XXXX XXXX, XXXX, OH, XXXX ). So, notices about payments were going to my tenants, not to me. As such, I ended up being months late before realizing what the issue was. I'm current on payments now, but the late payment is a negative mark on my credit that is preventing from qualifying for an important loan now. I have records that show that they did not accurately change my mailing address until XXXX of 2024. I have called XXXX multiple times between XXXX and now and they have still not resolved the issue and removed the negative remark. I have sought to clarify that I am not disputing that the payments were late ( they certainly were ). I am complaining that I did not receive proper written notice from XXXX. I have also submitted disputes at all XXXX credit bureaus ( just in the last week ) and am awaiting progress there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital car financing gave pre approval options so I went with the pre approval so my credit wouldnt be affected! A person from capital one reaches out and tells me I didnt qualify for pre approval but stated they could try other options and would give me a call back. I told the representative that I didnt want to go through the process if it wasnt a soft inquiry and they said okay. Two days later capital one submits 2 credit applications without my approval DAYS LATER to 2 different loan companies one being capital one and one being XXXX who I never even heard of until it hit my credit report! I tried contacting capital one about this issue since XXXX and they keep giving the run around not acknowledging that they rep kept my SSN on file after I denied they service and used my social to apply for car loan applications TWO days LATER without my consent! This is damaging behavior to the consumer to hit their credit with 2 hard inquiries when they did not consent of this and is bounds for identity theft. It is illegal to use some SSN days later without having their consent and also to store someones credit number is absolutely INSANE. That kind of information is sensitive and a representative should not still have access to my ssn days later after we talked!
Product: Checking or savings account

I have business checking account with Truist Bank. A charge on my debit card for {$25.00} was presented on XX/XX/23 and the account had insufficient funds to pay the transaction. Truist paid the transaction and charged me an overdraft fee of {$36.00}. The account is then negative and another charge for {$15.00} was presented via a debit card transaction and this transaction was paid and I was charged another {$36.00} fee. I spoke with a representative that advised that when I opened the account it was a part of the agreement I signed. I requested a copy of the signed agreement, and they advised me it was on the document center. I was unable to obtain a copy of the signed document there. I was never told at account opening that debit card transactions would be approved with funds not available.
Product: Student loan

My previous loan servicer sent a payment I made to them to MOHELA. This Transfer was made on XX/XX/year>. MOHELA told me this could take XXXX business days to be applied to my account balance. It still has not been applied. When reaching out to MOHELA customer service they inform me that my case is being escalated and I will receive notification once something is changed to my account. There is no substantial reasoning as to why my payment is not being applied to my account. The payment amounts are {$3500.00} and {$1100.00}.
Product: Student loan

Sallie Mae calls several times a day every day. I am aware that I am 67 days past due and I have plans to catch up on my payments, but even when I make a payment they continue to call harassing me for more money after I've already said I just paid and can't afford anymore. They frequently change my account manager and I have to re-explain my situation constantly. I have a voicemail from this past XXXX  where they said, " We spend more time trying to contact you than necessary. '' If I answered the phone every time they called it would be a full-time job in and of itself. I just want them to quit harassing me and changing my account manager multiple times a month. I'm doing the best I can and they really push and pressure me to not have money for rent and food to pay a student loan. It's ridiculous.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer credit report I found the I have 1 late payment for consumer reporting agencies have assumed a vital role which has the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on any payments for this account I have actually made multiple payments within the billing cycle XXXX XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements that shows this account was late. If proof cant be furnished I demand these payments are updated and reflected as on time payment as the payment was never late. 

Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the incorrect information and inquiries listed below : 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: Checking or savings account

My ATM card was stolen and several unauthorized transactions appeared on my account. XXXX XXXX has denied my claim. They have n't even investigated. If they had, they would know that I did n't make these transactions. Also, they did n't even include all of the unauthorized transactions in my claim. They only included 2 ATM transactions and one debit card transaction. There were several others.
Product: Credit reporting or other personal consumer reports

Credit reporting bureau that's reporting inaccurate information for late payments and close accounts. 
XXXX XXXX XXXX XXXX -Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Account # XXXX XXXX Acct # XXXX All reporting on my credit report late payments and closed, and sold to collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am seeking help against Experian.com for negligence in allowing an unnamed person to gain access to my Experian credit account. Sometime in XX/XX/XXXX, someone was able to change my email address and password. Several attempts were made to obtain credit in my name. Thankfully, no credit was extended to this individual. 
Experian.com did not notify me of this change, and I have had to deal with the resulting fallout. 
This appears to be the result of a data breach into Experian inXX/XX/XXXX. 15 million Americans have been affected by this date breach. Please see this link : https : //www.identityforce.com/blog/experian-api-data-breach-impacts-nearly-every-american I have contacted Experian.com and they have not been very helpful. If fact the conversations I have had with their customer service department were, in my opinion, unsatisfactory and their attitude towards me were rude. I asked Experian.com to help me fight this identity theft and they have refused. Despite my repeated requests, they continue to allow the identity thief access to my personal financial information and social security number. 
I have been living in the XXXX for the past 19 months, and quite frankly want to stay here. Sadly, with the constant threat of someone gaining access to my bank account, someone has already tried, I have decided I have to return to the United States. 
This negligence by Experian.com has caused me a great deal of stress and extreme mental duress. I suffer from XXXX, I have XXXX XX/XX/XXXX, and with the constant fear of someone ruining my credit and my life, I am suffering. 
The best way to contact me at this time is by my email address of XXXX. 
Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Information on Credit Reports XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account I am filing a complaint against XXXX, XXXX, and TransUnion due to inaccurate information reported on my credit reports regarding an account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ). Below are the details of the discrepancies : XXXX. Account Number Discrepancies : XXXX is reporting a different account number for this account than what is shown in XXXX and TransUnion reports. 
XXXX. Account Open Date Discrepancies : TransUnion reports a different account open date compared to XXXX and XXXX. 
XXXX. Late Payment Reporting Discrepancies : XXXX reports four late payments, while TransUnion and XXXX report five for the same account. 
These discrepancies are violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ), which requires credit reporting agencies to ensure maximum accuracy. Under 15 USC 1681n, each willful violation is subject to a {$500.00} fine. Additionally, 15 USC 1681o holds agencies liable for negligent noncompliance, and 15 USC 1681s-2 outlines the duties of furnishers to provide accurate information. These inaccuracies also breach the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ), which mandates compliance with U.S. laws regarding consumer credit information.

I request that the CFPB investigate these inaccuracies and ensure the immediate removal of this incorrect trade line from my reports with all three bureaus. I also request enforcement of fines of at least {$500.00} per violation, totaling {$1500.00} for the three violations noted. 
Please provide a response detailing the actions taken to correct these issues.
Product: Mortgage

I am having a very difficult time with Bank of America. I am now retired and have a reduction in income. I am requesting a modification review. I submitted the modification packaged at the end of XXXX. I have been updating documents for the past 60 days. I made one simple mistake on the RMA and can not get BofA to look at the correction and send my file to the investor for a decision. BofA is simply not allowing my file to move forward and keep asking for the same documents that do not exist. I have sent in multiple letter of explanation to try and correct and nothing gets resolved. This is beyond dysfunctional and I feel like it is predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX XXXX was recently totaled XXXX XXXX. XXXX has already finished the total paperwork for {$27000.00} in XXXX. My insurance has tried contacting them and so have I so that Truist can receive payment for the car, but no one answers when we call or send correspondence for documents this has been on going for weeks. Not only that I cant finish my XXXX claim so they can pay the rest of the money still owed until they do whats supposed to be done on their end. Truist has not worked with me at all and they keep saying Im not paying, and reporting it to my credit. All I want is a resolution and for this to be over and done with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX, XXXX credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX   XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! Not mine!!
Product: Checking or savings account

My account was wrongly closed through no fault of my own after depositing a check. This has caused me to miss work and am also unable to pay bills and have suffered eviction as well.
Product: Student loan

I receive multiple robo calls every day about consolidating my student loan debt and also calls about real estate properties. Most of them come from XXXX, Arizona. This has been going on for over a year and is affecting my work life. My phone number is XXXX. 

Some of the numbers are : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I reached out to XXXX XXXX XXXXe letting them know that XXXX XXXX XXXX XXXX XXXX XXXX brought my car and I was no longer the owner of the XXXX XXXX XXXX with XXXX # XXXX in which was traded on XX/XX/XXXX. XXXX XXXX reported to XXXX, TransUnion, And XXXX that I was 30 days late on my payment in which this reporting is inaccurate, I have always been in " good standing '' with my auto loan with ally finance since buying the car and I want this reporting deleted and or updated to on time payments and " Paid as Agreed '' because it is not acturate please update this admittedly on my credit report.
Product: Debt collection

This company did not send letters advising of their attempt to collect debt from me. Furthermore, I searched the Texas Secretary of State website for the Collections Agency, and found no indication that they acquired the surety bond required to collect debt as a third party in accordance to Texas Fin. Code 392.402.404.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my own there is no third party involved. I checked my TransUnion credit report to see a collection account from XXXX XXXX XXXX for the amount of {$410.00}. I have no knowledge of this collection account. I disputed this account with TransUnion and they keep saying the account is verified. I also see a closed Charge-off account from XXXX XXXX XXXX XXXX XXXX and XXXX report XXXX I have no knowledge of this account. I disputed this XXXX and XXXX and they keep saying the account has been verified. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Credit Agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts I listed above. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above.
Product: Credit reporting or other personal consumer reports

A previous complaint was submitted and nothing came of it. This will be my last attempt before moving forward with other options due to securities XXXX and a host of other violations. At this time, my debt has been sold/transferred to a third party ; reference 12 CFR 1006 Fair Debt Collection Practices Act. I will not include a XXXX codes and violations, as my next step will be in XXXX XXXX. I am aware of XXXX XXXX XXXX XXXX, however my original contract is with Upgrade. XXXX XXXX has no jurisdiction and they will be handled accordingly, as well as Upgrade, if this is not rectified immediately.

12 CFR 27.2 Applicant means a natural person, including a co-applicant, who makes an application. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.The federal securities statute described under 18 U.S.C. 1348 is patterned after the mail XXXX and wire XXXX statutes and states it's a federal crime to defraud anyone in connection with a security or commodity or to obtain any money or property from the purchase or sale a security, by using means of false or fraudulent pretenses, representations, or promises. The Securities Exchange Act of 1934 governs the trading of stocks and bonds in the United States and the law was established by the Securities and Exchange Commission ( SEC ), which is responsible for enforcing the federal securities law. 
Must I continue? Upgrade and XXXX XXXX XXXX will be named in a securities XXXX  lawsuit if not rectified. Furthermore, according to relevant XXXX & XXXX forms filed with the SEC, securities XXXX will easily be established with a proper audit. XXXX is not what I want to do, but if necessary, I will.
Product: Mortgage

Ocwen Loan Servicing , LLC, has reported to the credit bureau, that I am continuous latewith my mortgage payment. There by damaging my credit rating. I have not been latein making my payments. I would like them to remove the late statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is an account that has reported on my TransUnion credit report XX/XX/2020. I have absolutely no previous business with this company. I dont know who this company is. This is Fraud! I need this to be deleted and removed from my credit report immediately please.
Product: Mortgage

Wells Fargo force-placed flood insurance on our property despite the official XXXX map showing the structure is outside of the flood zone. WF has stated multiple times that they ca n't show me the required flood determination because there is nothing on file. They want a LOMA ( letter of map amendment ) from XXXX, which XXXX is at a loss to provide because the map already says our property is outside of the flood zone, so there is n't anything to amend. Over the past six months, I have spoken with at least a dozen people at Wells Fargo, none of whom can provide anything they are required to provide, but they continue to charge me an extra ~ $ XXXXmonth for flood insurance. The promised resolution date has gone from mid XXXX, to XXXX XXXX, to XXXX XXXX, and is now XXXX XXXX. Current resolution specialist insists that she has never worked with me before XXXX, despite a phone conversation in XXXX, and insists that another resolution specialist whom I 'm working with does n't exist, despite the fact that they are contacted through the same XXXXnumber.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not open an account. I have an account on my Transunion report that I do not recognize. On XX/XX/2023, an account was opened under my name fraudulently. The amount reflected on Transunion Credit Bureau is {$6000.00} with a monthly payment of {$330.00}. I started a dispute and I received a letter from Transunion Credit Bureau that says that the results of their investigation were accurate. I don't recognize that account and I'm requesting to investigate and remove that account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/LOWS has place a fraudulent account on my Credit Report on XX/XX/2018 in the amount of XXXX I demand that the account be removed
Product: Mortgage

I submitted a hardship application in XXXX. No one reached out and I called back in early XXXX and found out that the app wasnt completed to their standards. I resubmitted the app but received another letter on XX/XX/XXXX requesting that I send in an application, as if they never received the one that was sent on XX/XX/XXXX. This company is giving me the runaround and I intend to sue at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove ( Original Creditor : ) XXXX
Product: Debt collection

XX/XX/XXXX & XX/XX/XXXX of 2024. XXXX agency text me without giving and any validation information or anything attempts to state it was a collection agency any attempts to collect a debt. Instead of communicating by mail, they chose to text me which my XXXX  seen the information. The information contain with in the text, describe the nature of the debt any amount of the debt along with their phone number. I have attached the text messages that was received from this collection agency. I did not give them permission to text me nor did they try to make communication by Mail to advise or give me the right to dispute the validity of this debt. This debt was fraud, created by a third-party in which PNC Bank refused XXXX do any investigation and kept sending it back to me. I have refused to pay for somebody else charges of {$500.00}. I do pay my bills, but I am not going to pay. PNC also tried to put it on my credit report without giving me any resolution to this issue. PNC is a fraudulent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-I call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2024 Office of the Atty Gen reported on my credit I was past due and due to that my credit has degrees XXXX points. I contacted the office and explain I join the XXXX as XXXX XXXX  so during my training I did not have access to my phone to make the payments but soon as I did I cleared the account and in the bottom I attached prove of account been cleared and prove of my XXXX XXXX XXXX with start date. However In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to private ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I had 2 unauthorised dedits from my netspend card.one on XX/XX/XXXX for XXXX and one on XX/XX/XXXX for XXXX.i filed a complaint with the company and supposedly their investigating transaction fraud.their dragging their feet