23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had a mortgage with XXXX bank, investors bank took the loan over during acquisition. At the time of origination the loan was an automatic deduction from bank account, once investors took over we were told to pay thru their online system. Problem is payments have been applied in a way that makes no sense, they are applying partial payments when they should be full payments. They did fix the balance at one point but it 's all screwed up again. Every contact with the servicing department is giving a different answer each time you talk to these people. We are very frustrated because we have never received one statement from this account and their online mortgage system is n't accurate. I have called their customer service XXXX in XXXX, sent email XXXX and various emails to mortgage service department. They have put all these late charges on our account that we do n't owe, resulting in collection department constantly harassing us both at home and work. These people refuse to call you including the XXXX, I do n't know if the servicing is done by third party but it is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Equifax regarding a collection account that was improperly being reported on my credit profile with their company and should be removed. 

On XX/XX/XXXX Equifax closed my dispute noting that they verified the account. They updated the tradeline, re-aging the account and lower by credit score by 5 points. This was not only incorrect but illegal. 

The account in question that I disputed is with a collection company named XXXX XXXX XXXX. There was no way for Equifax to verify this account as they alleged in their response to my dispute because I have proof that XXXX XXXX XXXX deleted the tradeline on XX/XX/XXXX. XXXX and XXXX both removed the tradeline as a result, however Equifax is claiming that this tradeline which was deleted by the company has been verified. Equifax has gone as far as updating the account to reflect the last activity on the account as XX/XX/XXXX. This illegally re-ages the account to make it remain on my credit profile longer.
Product: Mortgage

My mortgage was originally with XXXX Bank. Approximately 3 months ago I received notification from XXXX Bank that my mortgage was going to be serviced by another company named Statebridge Company, LLC. On XXXX XXXX, 2016 I forwarded my XXXX mortgage payment to Statebridge. 2 days later I received a notice stating I owed a late payment fee. On XXXX/XXXX/2016 I attempted to reach the representative listed on the Statebridge correspondence as the contact person. I called at XXXX ( NYXXXX ), I was kept on hold for over 10 minutes, never reached a live person, left a message requesting a call back and to date have not received as such. 
To add insult to injury my mortgage payment has not been applied to my account. The correspondence I received shows my XXXX mortgage as unpaid yet Statebridge has my payment, the funds were deducted from my checking account. This is the same chicanery, smoke and mirrors, slight of hand XXXX that XXXX Bank used to pull. I thought the actions/intervention of the XXXX government was to put an end these companies cheating the consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
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 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: Bank account or service

My visa account statement ( Bank of America, or Bofa ) closing date of XX/XX/2016 stated that my minimum balance due was {$210.00} with due date of XX/XX/2016. 

I made a payment the day after, XX/XX/2016, for {$350.00} and my statement closing date of XX/XX/2016 showed my payment was received. Yet, Bofa tried to claimed that I was late and charged me a late fee of {$27.00} for not paying {$210.00} due. I called Bofa on XX/XX/2016 to dispute that my account was late & requested my late status and the late fee to be removed from my account. As of today XX/XX/2016 Bofa still has not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never owned a capital one credit card or bank account. i have applied numerous times including recently and have gotten denied each time. the problem is that a capital one credit card account is being reported by capital one, XXXX XXXX XXXX and XXXX. i have disputed numerous times and they keep sending electronic responses stating that it is verified accurate information. even though i have requested an original application, signature or proof that the account is mine as described in the FCRA. as of now i have not been furnished with this request. i have been disputing this for years and am being denied credit because this account shows as a delinquency and charged off.they only stated it was verified which was not my request. i have called capital one numerous times to dispute they refuse stating its a verified debt.i requested my information and original application they stated the account was too old
Product: Mortgage

Refinancing my mortgage, existing loan is through Pennymac, in process of paying off existing loan was charged {$47.00} in junk fees- {$25.00} Payoff Demand Statement Fee and {$22.00} Release Cost
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I drafted the attached dispute to Experian advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered. It is significant that the same dispute was honored by XXXX  immediately. Despite this, the incorrect information remains on my credit report more than 30 days later.
Product: Mortgage

I requested a COVID 19 related forbearance on my government backed VA mortgage loan in XXXX of XXXX. I was told, at the time of my request, by PennFed Credit Union, that I was not eligible for a CARES ACT forbearance, that no such program existed, that I must provide detailed documentation to prove my hardship, and multiple other violations of the law and my rights. Following a full month of excessive and completely unnecessary stress caused by PennFed 's lack of cooperation and adherence to the law which resulted in multiple arguments with PennFed employees, they finally relented and provided what was due me by law and granted my forbearance in XXXX of XXXX. However they insisted I must pay the full amount due upon the expiration of the forbearance. This was another failed attempt by PenFed to dissuade me from exercising my rights under federal law. More arguing ensued and PenFed relented and decided to adhere to the law. Fast Forward and it's now 30 days prior to XX/XX/2023 ( the end of my initial forbearance period ) I requested a 180 day extension. This option is mine per Federal Law and VA policy which states, " ... The borrower may request an initial forbearance period of up to 180-days, regardless of the borrower 's delinquency status. If the borrower makes the attestation discussed above, the servicer must grant the forbearance request, with no additional documentation. This forbearance must be extended, at the borrower 's request, for an additional period of up to 180 days. When a borrower contacts the servicer, VA expects the servicer to inform the borrower of the borrower 's forbearance rights .... '' Penn Fed refused my extension stating " PenFed submitted your request again to VA for exception processing for the possible forbearance extension. Unfortunately, the forbearance extension request was denied ( by VA ). '' The problem here is that the VA does not approve or disapprove a forbearance. Secondly the period for an initial request ended in XX/XX/2023 but I am already in my initial forbearance and I am requesting the 180 day extension afforded me by law not an initial forbearance which is no longer available. As of today, XXXX XXXX Penn Fed still refuses to assist me in this matter.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian, XXXX, and XXXX credit bureau regarding the hard inquires on my credit within the last couple of years. I am submitting this complaint because I have contacted all three credit bureaus dispute department via telephone several times to dispute hard inquires that do not belong to me, nor did I authorize these companies to review my credit report. I have disputed the hard inquires on the website on my account. Nothing gets processed or resolved, I receive dispute resolution within hours after filing the dispute online. On the Experian website under disputes on the members account, it states " Inquiries can't be disputed online. If you believe an inquiry is the result of identity theft, contact us at XXXX. '' I have attempted to resolve this matter several times by calling the disputes department and I was advised that members are not allowed to remove hard inquires on credit reports. All hard inquires stay on the credit report for two years. I am submitting this complaint because there are hard inquires on my credit report that I did not authorize nor belong to me.
Product: Credit reporting or other personal consumer reports

I am not liable for this dept with AWA COLLECTIONS, I do not have, nor ever had a contract AWA COLLECTIONS. They did not provide with the original contract as requested. 

XXXX has investigated this and I have uploaded proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates below these companies ran my credit without my authorization. I have written a letter to all 3 credit bureaus to have removed and reached out to the companies in question. None of the 3 credit bureaus or creditors have responded to my request to provide proof that I authorized them to run my credit. 

- XXXX : XX/XX/XXXX - FACTUAL DATA : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX XXXX  : XX/XX/XXXX
Product: Credit reporting

I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthousesXXXX, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. XXXX still reports XXXX. XXXX still reports XXXX. Equifax still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police report and ftc XXXX 's {$5.00} XXXX settlement with the Federal Trade Commission this ... But the commission also said XXXX violated the 2011 order by ... 

XXXX  It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely XXXX would sue you for a debt you may not owe or they can not validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. 

ncua with XXXX XXXX XXXX XXXX NCUA Recovers {$400.00} XXXX from XXXX XXXX As NCUA continues its efforts, we will strive to provide complete, easy-to-access information about the settlements, legal fees, and related costs of litigation. 


XXXX XXXX XXXXhowever, take out a payday loan from a company called XXXX XXXX, who ... I have made complaints to the FCC, attorney general, the donotcall.gov and XXXX. ... Just received a call from XXXX claiming I owed money from a ... I was told that if I agree to make three payments to settle the debt they ...
Product: Credit card

I applied for a Rooms to Go credit card. Was approved for 0 % interest for 24 months. When I looked at the breakdown of my payments because the balance was not reduced by payment amounts. It turns out they have been applying a big portion of my payment to some payment card security. My 1st payment I paid {$150.00} and {$54.00} of my payment was applied to payment card security. Apparently its a percentage of my balance because every month its a few dollars less being applied to this security card. When I called they offered to cancel but, said they couldnt retro to date of inception because I supposedly checked it off when I applied on line in XX/XX/2023. Which is not the case but, if I did it was unknowingly and must have been hidden in the fine print is my guess. This is not something I would have purchased as this would defeat the purpose of me taking advantage of the 24 months interest free promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account not mines, submitted FTC report.

1. XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$650.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Inquiry 2.XX/XX/XXXX
Product: Credit card

I purchased a flight from XXXX to XXXX on XX/XX/year>, with XXXX XXXX, using my Apple Card ( XXXX XXXX ). XXXX XXXX canceled my ticket on XX/XX/year>, but never issued a refund. 

Since then, Ive attempted five separate times to file a dispute through Apple Card, each time providing all requested evidence to support my claim. To my disbelief, my dispute has been rejected every single time. Whenever I speak with Apple Card customer care, they acknowledge that I am owed a refund, yet within weeks, the charges are re-applied to my account. 

This process has been incredibly disappointing. I have tried reaching out to XXXX XXXX, but their phone lines are either unresponsive or non-functional, making it impossible to contact them for support. I expected Apple, as a trusted company, to assist me in resolving this matter, but I feel abandoned after multiple failed attempts to retrieve my money.
Product: Student loan

I have submitted all of my PSLF paperwork back in XX/XX/22. MOHELA took over XXXX and stated in XX/XX/22 that my information was processed. In XX/XX/XXXX ', I received a letter that I surpassed my 120 payments and I emailed them to see when my balance would be XXXX. I was old up to 90 days. I also asked for a refund of payments I made with covid. Stated Treasurer can take up to 90 days. I get a letter today niw stating I have 119 payments with one to go. This is after I was assured through letter and email portal I made more than 120 payments. I am still working XXXX XXXX full time. I want my loan forgivable as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/22 I mailed a letter to Equifax disputing several accts that had erroneous information on them, & which subsequently are in direct violation of the Fair Credit Reporting Act. Equifax received this letter on XX/XX/22 & NEVER RESPONDED which is against the Law ( FCRA ). On XX/XX/22 I mailed out another letter concerning this matter & AGAIN Equifax DID NOT RESPOND. Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is hurting my credit score & in direct violation of the FCRA : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX I have given Equifax more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They refuse to do so. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed immediately.
Product: Debt collection

Full payment has been made, received, and deposited and yet the collection company, Transworld Systems , Inc., continues to send collection notices.
Product: Credit card

They have no idea why card was sent. Must be fraud. Told them to close acct. They said they can not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 PROBLEMS with EXPERIAN that are ONGOING and EXPERIAN refuses to FIX THE PROBLEM AFTER NUMEROUS attempts. 

1. With the Pandemic Free Annual Credit report allows you to get a copy of your credit report weekly. EXPERIAN REFUSES TO ALLOW this and has my account targeted since contacting the CEO years ago. I want my file RELEASED FROM THIS SPECAL DEPARTMENT and the ABILITY TO VIEW MY CREDIT AND MAKE DISPUTES ONLINE. 
THIS IS RETALATION ON THE PART OF CONTACTING CEO XXXX XXXX. I'm being discriminated against and treated differently than every other person. 

2. I CAN NOT file a dispute online for the same reasons stated above. My file is in some secret department, with incompetent reps who have lied to me. I want my file released from this department TODAY. Whenever I want to file a dispute, I have to call in. When I call the number provided, they have to transfer me to another secret department when I'm on endless hold with incompetent reps. THIS WILL TURN INTO A LEGAL MATTER IF I CAN'T DISPUTE THE WRONG INFORMATION ON MY CREDIT REPORT ONLINE WITHOUT THE AID OF A HUMAN BEING, AND IF I CAN'T GET A COPY OF MY CREDIT REPORT WEEKLY LIKE EVER OTHER HUMAN BEING IN THE UNITED STATES OF AMERICAN. I WILL NOT ACCEPT A FORM LETTER REPLY AND WILL TAKE LEGAL ACTION IF THIS SCAM IS NOT LIFTED TODAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts.

The completed FTC Identity Theft Report.

Copies of my identification documents.

Any additional information requested by your office.

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation.

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see this account has charge-off status and yet there is a past-due balance on your report. This account also is being reported with different payment history days between XXXX, Equifax and XXXX.
Product: Mortgage

Due to the death of my father the borrower from XXXX he was unable to meet his obligations to the mortgage company. We have tried relentlessly to resolve any issues with the lender. The extreme amount of stress has been overwhelming for myself and my family. Probate took a very prolonged period of time and when finally completed the lender set to auction our home without letting us explore any resolutions to retain our home. When we were given the opportunity due to the DOB delaying the sale we got everything together and began working with a HUD counselor. From XXXX XXXX it has been a complete nightmare. 
I have sent in all required documentation that has been requested on multiple dates through email, fax and with a HUD counselor. 
I am continually told they Dont have all documentation requested, I have evidence to the fact that they in fact do. 
A complete modification package was sent on XX/XX/2023 they have not even reviewed it. Carrington did receive it and it was confirmed. They plan to Auction our home on XXXX XXXX On every day this week starting Monday XX/XX/2023 I was told by representatives that they will escalate this to a supervisor and call back, send documents again and again Fax-email but then they tell me the case is closed. 
No one has an answer or updates just that there sorry it will have to be escalated to a supervisor. 
There are 5 of us in the home and we have been trying to resolve this but are getting no where and Carrington Mortgage refuses to work with us, we just keep getting fed a line. 
All we want is to resolve this and move forward. 
We would like very much to remain in our home and work with the lender but it seems hopeless as the right and left hands do not seem to be working with this company. Today I was told send documents again? If they are not willing to postpone the Auction and give us a fair review for modification, its confusing to have a representative say send them again. She will escalate to a supervisor.
Product: Debt collection

DCM Services continues to send debt collection letters and call my phone for a medical debt of {$260.00} belonging to my deceased mother. I do not know how they got my phone number, but I am not associated with the debt in any way. When asked how they got the number they stated that they do a " phone scan '', whatever that means. It has been explained to them that there is no estate and I do not assume any responsibility for this debt, yet they will not stop harassing me. All letters from DCM are being returned with " Deceased - No estate '' on the envelope.
Product: Debt collection

National Credit systems is reporting my debt collection on my credit report for {$880.00}. We offered to pay it in full and get it deleted but they refused. It was sold to a Law firm without our knowledge. So national credit systems is reporting it and the law firm is collecting this is not ethical.