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

I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. XXXX/EQUIFAX/XXXX  -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is more than 4 years old as if it is new is illegal. Hence the reason the attorney general is now involved. My score  should be restored!! XXXX  XXXX - Regarding account XXXX. The account was opened in XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, RE-AGED the debt and is reporting it as if the account is still open. The detriment to my credit report for this illegal act was a loss of many points.
Product: Mortgage

Land Home Financial Services has reported my Mortgage payment as missing over the last 3 months. According to my Checking account and my email receipts everything has been ontime.
Product: Student loan

I am in severe default on my loan and want to get back on track. I was told I can not consolidate my loan because it is no longer owned by the US dept. of ed. and is not eligible for loan forgiveness. I am a XXXX in a high needs area and qualify for XXXX which would pay off my loan if I get it out of default. 

They are telling me I can not qualify for this but can not /will not provide me with any information proving this is the case. They are trying to force me into a payment plan that requires 10percent of my disposable income and I am already paying on another loan under the income-based plan and I have an infant at home and can not afford those payments so I have n't gotten it out of default. 

How the US sell my loan and then disqualify me from the programs I was told I was allowed when taking out the loan. They are also hounding me to make a payoff of over 8000 dollars and not taking it seriously when I offer payments.
Product: Vehicle loan or lease

Carmax is reporting false information to all three bureaus. None of the information matches on neither of the XXXX bureaus reports. Previously they said they sent out the necessary information after they took the car back, but didnt even have the address correct for me to receive on the documentation. I never received my 1099-c from them to this day nor any other information they are claiming to have sent. Carmax wrote off {$15000.00} of the {$15000.00} that they said I owed, which would give them a tax break requiring them to send me a 1099-c for my tax purposes and documentation as well. They also sold the car for {$8000.00}, and have on my credit report that there is a balance of {$7700.00} on my account. That would mean they would get double the amount of the car in the end, which would be committing fraud since technically as put on my credit reports that {$15000.00} was already written off per them and the original amount of the car was {$17000.00}. I also would like them to produce the contract with my wet signature that they are going by so that I can compare it to the one I have.
Product: Mortgage

I sold my home in XX/XX/XXXX and I asked my mortgage company ( Dovenmuehle Mortgage ) for my escrow refund. I was due a refund in the amount of {$3500.00} for prepaid property taxes and home insurance. I called and was told a check was issued on XX/XX/XXXX. I did not receive it so I called again on XX/XX/XXXX and was told that they had my old address on file. I updated my address and was told they will request to issue a new check. I have repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Every time I call, i am told the check is in the mail. Also, I am told that a new check can not be issued within 30 days of past issuance. I offered to pay for overnight shipping, and tracking information but was told by customer service that the only thing they can do is request the refund check but can not overnight nor provide tracking information. It has been 3 months since I am supposed to receive my escrow refund check. I have requested for this case to be escalated to no avail. I keep calling and keep getting the same excuse, check is in the mail - with no tracking or confirmation that a check has been issued and when i should expect it.
Product: Checking or savings account

Payment was Sent on XX/XX/XXXX around XXXX XXXX. The merchandise agreed upon by both parties was not shipped. The seller relisted the item for sale on XXXX XXXX XXXX XXXX  The seller insists they have shipped the merchandise but refuses to provide a tracking number. Contact with the seller remained until XX/XX/XXXX when the seller blocked the buyer from further contact. A refund was requested from merchant address " XXXXXXXX XXXX XXXX  on XX/XX/XXXX. Buyer has received no response from the merchant as of XX/XX/XXXX. Started dispute with Wells Fargo on XX/XX/XXXX for {$400.00} with the reason of goods/services not received. Wells Fargo requested no further information or supporting documentation from the claim filer. 
As of XX/XX/XXXX the dispute was updated and officially denied. 
On XX/XX/XXXX the dispute filer called the Wells Fargo support line and inquired about appealing the ruling of said claim. Support said all rulings were final and the buyer would have to contact the merchant directly. A refund from the merchant address " XXXXXXXX XXXX XXXX was already requested on XX/XX/XXXX. No further communication has been received from the merchant. CFPB complaint filed on XX/XX/XXXX.
Product: Credit card or prepaid card

I have been a customer of Bank of America since XXXX. I had over {$21000.00} worth of charges on two different cards. On XX/XX/XXXX I called the bank to pay off the balance which was about {$3100.00}. The agent I spoke to told me this would make my balance {$0.00}. On XX/XX/XXXX I saw a {$30.00} balance posted to my account. I call the bank and spoke to an agent that told me this was the balance of the interest. I told this agent that if there was additional interest the 1st agent should have told me that so I could have paid it. I was very upset but polite. The 2nd agent told me she would escalate the ticket to see if the interest charge could be waived. Two days later I called back and the agent told me the waive had been denied. I ask her what the was the reason the request was denied and she couldn't give me an answer. Being a customer who always paid on time and customer sinceXXXX, I couldn't understand why they would denied such a small amount. Especially since the 1st agent told me there would be a zero balance and didn't mention anything about additional interest charges
Product: Debt collection

XXXX Reported and close my account in XX/XX/year> to the Credit bureau XXXX Then reported 30 day after closing my account to the credit bureau that a payment was missed then 60 days 90 days 150 days just counting reporting and increase balance amount which damaged my. Credit tremendously XXXX XXXX  did the same thing and as been damaging my credit for the past 6 month
Product: Credit reporting, credit repair services, or other personal consumer reports

1. 
I NEVER FILED FOR BANKRUPTCY BUT IT IS ON MY CREDIT REPORT AS FILED IN XX/XX/XXXX AND RESOLVED IN XX/XX/XXXX WITH BOTH A CLAIM AND LIABILITY AMOUNT OF {$0.00} 2. 
I WAS NEVER SEEN AT XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express ( Amex ) mailed us a promotional offer to award XXXX points after we spent {$5000.00} in qualified purchases within 3 months of the account being opened. There were no conditions on us having had an account with them previously. 

To ensure, these were all the terms, we also called and spoke to a customer service representative " XXXX '' who confirmed the terms as written. 

Given this confirmation, we applied online and quickly received the cards and met the spending requirements within 3 months. 

One month after that and after verifying we had not received the additional points, we called and were told we did not qualify due to having had an account before.
Product: Debt collection

In XX/XX/2022 someone opened and account ( don't know what kind ) and it is in collections with XXXX XXXX XXXX for {$1100.00}... I never opned any accounts in XX/XX/2022... the debt is not mine
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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: Credit reporting, credit repair services, or other personal consumer reports

Had problems with Shellpoint Morgtage Servicing Co applying my monthly morgtage payments as they used wrong a personal bank account number to withdraw funds to pay monthly morgtage payments, they claim I did not pay XX/XX/XXXX on time, but, I had sent them a payment of {$4500.00} on XX/XX/XXXX, with confirmation numnber XXXX, and I talked to a person in collections named : XXXX XXXX, who stated that those funds were " just sitting there '' and were never applied to my morgtage payments, therefore, " I never missed any monthly morgtage payments and the Morgtage Servicing Co should not have reported me to the credit bureau who, based upon the report from the morgtage servicing Co, the Credit Bureau lowered my credit rating from XX/XX/XXXX of XXXX, to XXXX in XX/XX/XXXX. I feel that is a wrong report because I NEVER ever missed any monthly morgtage payments, the morgtage servicing CO just did not apply the funds I sent them for whatever reason. I just need them to issue a correct report that I have never missed any monthly morgtage payment. I even sent them fees for late payments which I feel they should return to me and they also charged me NSF fees, even when I have always maintained sufficent personal bank account funds which I can prove by the balances on my monthly bank statements and also, all payments made to Shellpoint made on time with confirmation numbers issued by them from their online site.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy. 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 reporting, credit repair services, or other personal consumer reports

In recent months, I have worked hard to rebuild my credit and paid accounts I did owe. However, there is an account I did not recognize by a company known as  XXXX   XXXX  through my credit report on Experian. I have no recollection of opening an account or authorizing any of my information for collection with   XXXX  . I contacted  XXXX   XXXX  on the number that was provided on my credit report on  XXXX   XXXX ,   XXXX   and requested my application and any other authorizations for validity. The representatives and supervisors whom I spoke with failed to provide any documentation that the account is mine to my mailing/home address and email. As of my last known dispute on  XXXX   XXXX ,   XXXX  , in which I challenged ownership of this account, Experian declared that the account shall remain on my report. When I requested for their method of verificatio n ( FCRA Section 611 ( a ) ( 7 ) ), Ex perian replied that all they did was send a request to  XXXX   XXXX  with no documentation provided to me from the furnisher that the account is mine. I contacted  XXXX  again on  XXXX   XXXX ,   XXXX   and spoke to  XXXX   XXXX  in thei r Vendor Services depa rtment which record-keep applications and other authorization documents. I provided my full name, full social security number, and other information to her, and she found nothing that ties me to that account at all. I contacted Experian shortly thereafter to conduct a conference call as proof and they were non-compliant in accordance to ( FCRA Sectio n 616 ), as well as being told by their supervisor stating that, it did not matter whether or not I authorized the account, the fact that they have my social security number gives them the right report onto my credit file. Hearing this statement hints to me the allowance of fraudulent reporting between these two com panies and Experians reporting practices.     Attached to this complaint is my Experian Credit Report as  XXXX / XXXX /  XXXX   and they can be found on the bottom of th e 8th page as well my personal identification such as my drivers   license and ssn.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$2800.00} ; XXXX XXXX  XXXX Balance : {$5000.00}.
Product: Mortgage

I started having problems with Nationstar Mortgage out of Texas back in XXXX when I was trying to pay one month ahead in case of emergency. Apparently, they will not let you make extra payments on your mortgage without having a specific agreement with them which I was not interested in having. Of note, other lenders I 've had let me pay ahead if I wanted. Anyway, I sent my XXXX XXXX mortgage payment to them which they received on XXXX/XXXX/XXXX. I included an extra {$100.00} to be applied towards principal and indicated I wanted it applied to principal on my payment voucher. The end of XXXX I noticed the extra {$100.00} had been received but not applied to principal so I called Nationstar and was assured the extra principal would be applied when they processed my next voucher which made no sense. Yesterday, XXXX/XXXX/XXXX I received a letter in the mail from Nationstar telling me the {$100.00} was in a suspense account and I quote " As of the date of this letter, the total amount required to bring this account current is {$1300.00}. '' " please remit amount due in order to complete a full payment owed. '' The date of this letter was XXXX/XXXX/XXXX which was 2 days after receiving my XXXX XXXX mortgage payment and posting it on XXXX/XXXX/XXXX! My next mortgage payment is not due until XXXX XXXX, XXXX per their own website so how can I owe them {$1300.00} now? I fear their incompetence is going to hurt my excellent credit rating. Please help!
Product: Debt collection

We requested the cancellation of the XXXX XXXX  in XX/XX/2018 as we moved to another address that the company could no longer provide us with its service because there would be no coverage at the location and as they guided us we returned the equipment at XXXX and at the time the attendant said that we would not need proof as they would automatically download the system. after 1 month of our move the XXXX   sent us the last charge for a month that was not even used since we had made the cancellation request and they did not do it, but to avoid fighting we accepted to make the payment and did not make any complaints. After 2 months again after making the payment this time the XXXX  sends us a new charge, but this time it would be for the equipment that was returned by us since the beginning of the service cancellation request at XXXX and thus started our fight with this company that we thought they were suitable until now because we stayed for 2 years as their customers. And even after explaining over and over again that we had returned the equipment, they still insisted on charging us for something that we returned until now that month we had the unexpected news that this company put us in collection for something we shouldn't and that was returned and that if there was an error it was not on our part and in addition we tried to contact XXXX and they informed us that they no longer have the information because the XXXX removed us from the customer system.
Product: Credit reporting or other personal consumer reports

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. Transunion, XXXX, XXXX, and also all the companies listed below should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all XXXX bureaus and you will be able to see the proof of discrepancy within the credit bureaus. All the credit bureaus are reporting different dates of accounts being open, different charge offs, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. XXXX XXXX XX/XX/XXXX, This company is reporting a charge off balance of {$120.00} to XXXX and Transunion only and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 1681 inaccurate reporting and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. This is also in violation of my privacy rights in the Privacy Rights Act of XXXX and needs to be removed immediately. XXXX XX/XX/XXXX Late Payment reporting by XXXX, and XXXX only, completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with this bank that they wouldn't disclose my information to a third party company and all three credit bureaus are third party companies, therefore illegal to report of my credit file. The bank can't disclose my information and the credit bureaus can't report it. They both owe for compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice a negative item on my account from CAR FINANCIAL SERVICES and sent them a letter on XXXX asking for information dealing with this account, in which i attached a copy below.
Product: Mortgage

I refinanced my home in XXXX. I am married but my husband was not going to be on the loan due to his poor credit. I had credit score and income on my own to qualify for loan. Because I live in California the lender included all my husbands old debts ( collection acts and write offs ) against me and told me if I wanted to refinance with them I had to take out an additional XXXX to pay off his old debts. Mind you these debts were past the point where he could be sued for them. So reluctantly I complied because rates were rising. After all loan docs were signed they sent us checks to pay all the debts. We sent out the checks to the debtors we could find. One actually came back to us because the debt was so old it is no longer with the collection agency. 
I reached out after a year in XX/XX/2023 and spoke to XXXX XXXX at United Security Financial Corp. She called me and stated she would get this settled and the funds would be coming back me. I explained these debts are old .Then she in they sent us more checks to mail out. We have paid off all the debtors we can find, these debts are so old my husband does not even get any type of mail correspondence on them.Right now we have over XXXX dollars in our escrow acct at Elevated Title. I just want my money that I have been paying on for 18 months. I reached out again via email to the title co and the lender on XXXX XXXX and have not heard from either. I need help to get my money.
Product: Student loan

My online/web account with Discover Student Loans has been limited for several months now - apparently due to problems they are having with an upgrade ( or so they tell me ). Every time I log on to the online system I am greeted with these error message : " Access to your account is limited at this time. Please call customer service at XXXX for further assistance. '' " Due to system maintenance your Account Center payment history may be incomplete. We are currently working to resolve this issue. We anticipate the issue will be resolved in a few days. In the meantime, for complete payment history, please see your monthly statement ( s ). We apologize for any inconvenience this may cause. '' These website issues prevent me from paying my monthly loan payments online, downloading copies of my monthly statements, and seeing other pertinent and important information related to my loan. 

I have tried to contact Discover Student Loans numerous times via phone, chat, and their online messaging system and keep getting useless responses - from they are working on it, to generic form responses that do n't even apply, to some of the representatives I spoke with not even being aware of the issues. I have sent numerous emails to senior managers/executives and they have not responded. I have requested that they suspend my monthly payments ( and interest accumulation XXXX until they can get their act together and fix this, but they have not done so. I have been forced to waste time making payments via phone calls and do not feel comfortable continuing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX i paid in XXXX XXXX XXXX is not reporting correct as the virus effected accounts with XXXX XXXX. i have paid all payments on time. I have not had late payments