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

XXXX XXXX/XXXX is reporting incorrect information. I spoke with a representative on XX/XX/XXXX named XXXX ' and she stated that although they updated their information as paid, they DO NOT HAVE TO REPORT THIS TO THE BUREAU. XXXX has removed the account, but it is still showing on XXXX and Equifax. This account was sold to another lender, so it is technically showing TWICE. 

Account infom is XXXX XXXX/XXXX XXXX XXXX Account no. XXXX .... amount XXXX sowing late from XX/XX/XXXX through XX/XX/XXXX and this is INCORRECT. This is my sixth complaint
Product: Mortgage

I have had a mobile home mortgage with XXXX XXXX for nearly 10 years. I was never late with a payment and always sent more than the minimum due. My principal and interest were nearly the same as you can see from these past few statements enclosed. XXXX of 2020 I made my last payment to XXXX XXXX  as they transferred my account to Select Portfolio Services ( SPS ). I made my first payment early to SPS in XXXX which they received XX/XX/XXXX being 7 days early of the due date. Upon receiving my first actual statement from SPS showing my first payment to them, I was mortified to find they put 80 % of my payment toward the interest, 17 % toward the principal and .26 % for fees and other charges. These last 2 resulted in a 27 day billing cycle from my XXXX payment  to XXXX XXXX  and the XXXX payment received by SPS. I immediately called SPS and questioned this, and several people at SPS kept telling me these figures were correct. Also, no one can tell me what the fees and charges are for or for how many days they used in the billing cycle to calculate these interest charges. Finally, after requesting several times, I was able to talk to management, and they had me send in my statements from XXXX XXXX  and SPS, and it is now under review. My regular payment is XXXX, and I have been sending XXXX XXXX  {$700.00} for many months. I am including some of my last payment statements from XXXX XXXX  and my current statement from SPS. I just made another {$700.00} payment so as not to be late. On my current statement from SPS, the figures I wrote in by the principal and interest is what I believe these figures should be, or at least very close. There is a lot of recordings of my calls to SPS, or so I opted for when making these calls.
Product: Mortgage

On XXXX XXXX, 2022, a contract was entered for the sale of my own home. I was the XXXX agent. Per the contract, the closing date was to happen on XX/XX/2022. Due to the negligence of the lender to act in a timely manner and ignorance of their own loan product policies, we did not close until XX/XX/2022. I say it was negligence and ignorance on their part because I performed my duties of the contract in a timely manner and it was on their own admission that the buyer did too. Some of the extra time was needed because they could not figure out if to use the homestead exemption tax rate for the home which the buyer certified would be his primary residence! According to the bank, if the homestead exemption tax rate could not be used, it would put the buyer above the ratios and disqualify him from being able to purchase the home. Meetings and phone calls were scheduled within the bank to resolve that matter and were put off. As a XXXX XXXXt, I am usually able to recoup what monetary losses my seller will have due to extending the closing date by reducing the closing cost concession, if there was one written in the contract. However, the bank stated that, if I did that on this home, it would also disqualify the buyer from purchasing the home. They suggested that buyer pay me the {$2000.00} in reduction outside of the closing table even though the delay had not been buyer 's fault. I should note that this was not mentioned on the emails or texts but via phone call. On XX/XX/2022 I sent my final text to the loan originator asking her for a status. There was no reply. On XX/XX/2022 I began the process to request XXXX money as I was under no obligation to complete the sale. I communicated that with the buyer 's agent and shortly after that, I finally received a phone call from the bank telling me we had a clear to close. It would have been unfair for the buyer to lose the home due to the negligence and ignorance of the bank so I agree to complete the sale. However, the bank still needs to XXXX held liable and responsible for the monetary losses that I, the XXXXXXXX XXXX incurred such as additional taxes, additional home insurance, additional interest and additional utilities. There is a consideration that is made when a contract is accepted that relates to how soon the buyer and lender can get the deal closed. Lenders need to know the importance of that in real estate and act and/or perform accordingly. I have worked as a XXXX XXXX XXXX for 10 years, there are cases when circumstance are out of everyone 's control. THIS was not XXXX of them. Most of our communication is in texts or emails attached. This does not include phone calls made for which I do not have recordings of.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years my Student Loan account at Navient displayed an old, incorrect email address when I checked the contact information. Live operators on the phone also corrected the email address at my request but later the old email would resurface. 

This can be proven in a court of law by examining logs and records at Navient. 

In XXXX I received a notice from my bank ( not Navient ) the negative items were on my credit report. Navient reported me 90 days late on 2 accounts. I had no knowledge they were due. All my loans were in deferment as far as I knew. My credit is good and I always pay on time. Check my history, please. 

Navient asked me previously to use " paperless '' notifications. Their system failed to perform correctly and caused me real harm in a XXXX point credit score drop. When I check ed with Navient on the day of the negative credit report, the contact page displayed my old, incorrect email address. I corrected it. 

This can be proven in a court of law by examining Navient computer logs and records. 
Ironically, my credit history suggests I am correct.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, see attached, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Debt collection

this complaint is against resurgent capital. they are reporting a debt to all 3 cras that belongs to a XXXX   XXXX im XXXX XXXX ive tried to resolve it though credit bureau disputes and the XXXX but there holding tight to this incorrection.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I Realize that my information was used to open account dating back all the way to XX/XX/XXXX for a outstanding balance of {$2100.00}. Second account seemed somewhat similar with an account Dating back to XX/XX/XXXX with a outstanding balance of {$2300.00} .3rd account XXXX XXXX XXXX XXXX XXXX Dating back to XX/XX/XXXX with an outstanding balance of {$260.00} the Specific steps advise by the credit girls which was filing a police report which will be uploaded the file
Product: Credit card

Paypal has allowed the scamming XXXX to defraud my account. 
Their cart adds items on each time you visit against the wishes of the customer. 
XXXX charged me for XXXX memberships & XXXX listings of a membership. This is utter rubbish and contacted XXXX of the error XX/XX/2016. 
They recognized the error and said they credited me the difference. 
The problem is they did not so I opened a paypal dispute. 
The seller offered a refund of XXXX admitting liability and error. I requested that Paypal continue to investigate as I was truly owed XXXX. 
I only wanted one membership. 
I tried to contact Paypal to assist and they were unhelpful and decided the case in the favor of XXXX XXXX XXXX & denied the partial refund the seller offered. 
So i contacted the seller ( no one mans the phones at XXXX XXXX XXXX as it is a phishing scam site. They refused to return my money, canceled the membership and blocked my computer from accessing the site ( see documentation ). 
As such paypal has an obligation to return XXXX-XXXX=XXXX I tried to print out the chat conversation and was unable to. Given the customer service agent would rather block my ip address than address my concerns in writting, it confirmed my suspicion that this is some tech geek running a scam site. 
Regardless, as he canceled my membership and blocked me from his tech/phising site, I want my money back.
Product: Student loan

I am co signer for my daughter student loan, we have completed forbearance and deferment and they have sold the loan a total of 5 times to different collection agencies. I am XXXX years old and can not pay this. they have harassed me calling me all hours of the night and day. I have sent correspondence to cease and desist and they still call
Product: Mortgage

My lender claims that we are not carrying hazard insurance to cover our home. We have provided them with proof of insurance multiple times and have made multiple attempts to resolve this issue. Our insurance agent has attempted to resolve the issue as well. at this point they have refused to accept our policy and are charging us for a hazard policy provided by them at approximately XXXX times the cost of our existing policy. This issue has been dragging out for over three months. Every time that we contact this company, they tell us that it will be reviewed but nothing gets resolved.
Product: Consumer Loan

I live in Massachusetts. I was 3 months behind on my car loan. In XXXX I made XXXX payment through XXXX XXXX. They would not let me make a payment other than XXXX XXXX. I never received any notification that my car would be repossessed. However on Tuesday XXXX/XXXX/15 before XXXX my car was repossessed by Ally in my driveway. After finding out about repossession laws in MA I found out that I was required to have 21 days notice and that they could not take a vehicle from a driveway. In addition I have been not provided any information as to the company that repossessed my car nor have I been given my license plates by 48 hours. 
I would like my car released to me in light of all the laws in MA that they have broken by taking my car.
Product: Vehicle loan or lease

This car was repossessed and sold at a auction, I was only credited for the price the car sold at auction for instead of being reimbursed for gap insurance and extended warranty thIs was financed as apart of this loan. If they recieved a lump sum payment why I still have to pay interest and for services for a vehicle that I don't have. I also disputed the dates and reporting info is no match all the agencies. And told they had a responsibility to report accurate information. This information is still inaccurate and not updated correctly.
Product: Credit card or prepaid card

BARCLAYS BANK DELAWARE is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to BARCLAYS BANK DELAWARE along with a notarized affidavit claiming fraud. BARCLAYS BANK DELAWARE is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like BARCLAYS BANK DELAWARE to close their files which have any information with my name & social on it ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Bank account or service

The US Bank, XXXX XXXX XXXX, XXXX XXXX Nevada, failed to remove a Hard inquire found im my XXXX credit report on XXXX/XXXX/2015 after I signed a Credit Bureau Inquiry Removal in the US Bank logo letter which is a legal agreement for them to proceed in removing their Hard Inquire from my XXXX credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. As of todays date XXXX stated they did not have my FTC report on file and the late payments and accounts that are not mines are still reporting as well as a closed accounts from XXXX XXXX XXXX, XXXX is still reporting late payments for the accounts that are not mines and Closed Account XXXX  XXXX. And Equifax is reporting a closed account XXXX XXXX. I would like help with removing these accounts
Product: Credit card

Out of the blue, USAA sent us a bill stated that we were delinquent on a payment. We had a USAA card in the past but no longer have it, I have written two letters to them stating that he do not have the card and can not have used it. They have sent us emails which claim to have the statement for the month the obligation was incurred but no statement was attached, nor was I able to find a statement on their website. They have now reported a liability on our credit report.
Product: Money transfer, virtual currency, or money service

I was told my account was under review and I would receive email when it was resolved. I received no email.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX XXXX XXXXXXXX continues to report incorrect information, despite my prior attempts to rectify the situation.

As outlined under the Fair Credit Reporting Act ( FCRA ), specifica

lly 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file. Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed. If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a car from XXXX and ran my credit a total of XXXX times, I have them {$2000.00} in cash as a down payment. XXXX days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.
Product: Debt collection

I do not believe the amount being charged is correct. Over the amount agreed upon. Insurance should have covered the amount. They must have way over charged for service if amount is correct on their end. There isnt any itemized service charges attached to bill. No itemized bill for all consumables used or itemized charges for services. I have no idea what its for specifically. So XXXX cant dispute what insurance has paid vs what may still be owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the15 USC 1681 Us Dept 0f EdXXXX {$2400.00} XXXX XXXX Us Dept 0f EdXXXX {$2700.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX Total XXXX  {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX ! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I disputed a charge on my Chase XXXX XXXX account {$670.00} in XX/XX/2023 and unable to create an account to send supporting documents for my claim # XXXX since my credit account is now closed. Attached are the XXXX supporting documents supporting my claim is valid : XXXX. The email from the company stating a refund would be provided if I purchased the new tickets and sending them the confirmation #. 
XXXX. Email confirmation of new tickets purchased. 

I bough tickets for XXXX XXXX XXXX XXXX weekend however the wrong tickets were sent ( tickets for previous weekend ).
Product: Credit card

I have a XXXX XXXX XXXX card with card number XXXX with associated with my XXXX XXXX XXXX XXXX account # XXXX. By the XX/XX/2023 monthly statement, I have earned total XXXX XXXX XXXX. However, the XXXX XXXX XXXX XXXX, which is financing by Synchrony Bank, refuses to transfer my earned XXXX XXXX to my XXXX XXXX  account # XXXX. I have been contacted the credit card company by phone calls and by Messages for a number of times and asked them to transfer my earned XXXX XXXX to my XXXX XXXX account. Upon to today, my XXXX XXXX account # XXXX still shows XXXX XXXX XXXX
Product: Mortgage

My wife and I got a loan modification and our loan was sold to Shellpoint/NewRez mortgage. The loan modification was a balloon payment due in XXXX. We paid approximately {$9000.00} for this loan modification. So ther is no interest being generated from my loan. NewRez acquired my loan in XXXX and since then they have done nothing but harrass me. Im contacting you because Im almost XXXX retired and the stress is telling on me. I had so much problem with them contacting me every month saying I was behind on this and that that I started having my bank make automatic payments so I would be up to date. In XX/XX/XXXX my payment was automatically paid and they applied it to the XXXX XX/XX/XXXX my payment was automatically paid ... but Shellpoint applied it AGAIN to the XXXX payment effectively putting me one month behind ( this is a debt collection company masquerading as a mortgage company ). I tried many times to bring my account up date but they would always apply the extra payments to the deferred. Every month we have been receiving foreclosure packets, sometimes for as little as {$10.00}. Finally I got everything up to date, I thought. In XX/XX/XXXX I paid {$110.00} for an inspection fee I am now being charged {$110.00} for another inspection fee ( XX/XX/XXXX ). The called me this morning saying I owed XXXX This company is staffed with completely incompetent players and they are monthly trying to squeeze money from me by harrassig me and my wife with phone calls and foreclosure packets,,, all this when my loan is not due until XXXX. They are supposed to be taking care of my insurance taxes escrow. Can you please help me in dealing with this nightmare debt collection agency masquerading as a mortgage company. 
Thank you for your time
Product: Credit reporting

I have not been able to obtain my credit report from equifax because they have mixed my information with my deceased grandmother 's. I would like a copy of my report to resolve any mistakes there may be on that report.
Product: Debt collection

They keep calling my phone and asking for people XXXX XXXX knows debt. When Ive told them multiple times I dont know these people and to stop calling but the keep calling from different numbers trying to make me pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Last Saturday I had over XXXX taken from my account by various companies. I tried calling PNC when I found out but there was no one there to answer. I called Sunday, but they gave me the run around and said they couldnt file disputes on transactions that havent posted yet. So I had to wait until Tuesday when the majority of them posted and the only ones that have been returned to me are several small ones from XXXX. None of the others have been taken care of. Its almost been a week and I believe they are supposed to get that back the next business day. This has caused me to be late on rent since I dont have enough money in my account.