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

On XX/XX/2022 My information was used to open a loan with XXXX XXXX XXXX XXXX  '' for an about of {$26000.00}. I did not open this loan nor have I authorized this loan to be open and I have not gained anything from this loan. This loan was opened due to identity theft. I do not know who the thief was nor how they got ahold of my information however I have contacted this company multiple times letting them know of my situation and they have done absolutely nothing to help assist me with my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account was removed from my credit file. The company Source Receivables Management has reinserted the the account back to my credit file with a new open date. Which is a violation. Also i am supposed to be giving a 5 day notice which i was not giving which a direct violation of the FCR law
Product: Debt collection

I filed bankruptcy XX/XX/2015 I continue to get calls from these debt collectors even though the charges have been dropped. When I answer there is rarely anyone on the other side and they call often
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did call and if the paperwork was from equifax call to one present financial institution still didnt like how they are handling this. If agent spoke to was from them bank was not impressed. They said that they had access to the 3 bureaus and that giving them personal information further was not necessary. Listed under equifax breech they keep claiming I can not prove who I am to them. Much respect to present financial institution for letting me know that their asking me for information is not advised. They were not comfortable with the question I asked them because they said that they already had my information so unless not equifax or was pretty sure they made it clear on two items 1. They should have enough information. Equifax although I can not confirm it was them. However it likely was. 2.
Merchant charges by financial institution said alone with that without saying much noticing notification someone is using invalid cards which they wont let go through and notify me. Any. I am doing my best to watch all accounts ( aside from federal advice ) outside of this and primary is doing an excellent job. Awful lot of soft pulls so Im not sure on that. Appears to be phone carriers mostly but an awful lot. Otherwise if it was equifax slight progress but primary institution was uncomfortable with the agents handling of the whole process
Product: Consumer Loan

I recently applied online for a personal loan with Discover Bank to help consolidate my credit cards. After checking my credit, I got a message congratulating me on being approved for a {$20000.00} loan. They allowed me to choose the length of the loan, ( 48 months ) and Discover set the loan at a 12.99 % interest rate. Discover then asked how I wanted to receive the funds, by mail or direct deposit, and to list any creditors I wanted them to pay-off on my behalf. I filled out of that information and was told to expect the funds within 3-5 business days. Then as a final step to verify terms and conditions, I spoke with a representative, who asked very intrusive questions on why I needed the money, and why did I use my credit cards to pay for gas and groceries instead of using cash. 
After 30 minutes on the phone it was clear that I was being made to apply for the loan all over again, and was made to feel like I was begging for free money instead of money I would be paying back at a high rate of interest. 
Today, 3 days after applying, I received a letter in the mail saying the loan was denied because of " Excessive bank card balances and usage '' That makes little sense when the whole purpose of the loan was to consolidate credit card debt, which they knew from the very beginning before I got the message the loan was approved. 
I feel this is a case of discrimination because everything was fine and all set until I talked to the Discover representative on the phone at length, and he realized I am XXXX. My credit is good and I pay my bills on time every month, so why was a loan that was already approved suddenly not approved?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90 plus days late on the XXXX/XXXX   XXXX/XXXX/XXXX/XXXX and XXXX/XXXXI accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4, 5, and 6 of the attached credit report. These accounts report a {$0.00} past due. There are also duplicate entries of the same accounts ; the date of last activity is incorrect ; the status being reported is inaccurate ; and some accounts have been transferred and should not be reporting at all. These accounts are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores.
Product: Debt collection

I am writing to formally dispute and request the removal of an inaccurate and unverified collection account appearing on my credit reports from XXXX and XXXX. The details of the disputed account are as follows : Creditor Name : NCB Management Services Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX Status : Collection Account Upon reviewing my credit reports, I have identified multiple errors, violations, and inconsistencies in how this account is reported. These discrepancies, along with the failure to provide proper validation, warrant its immediate removal. 

1. Failure to Provide Proof of Debt Ownership Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, a debt collector must provide validation of the debt, including a purchase agreement or assignment of debt from the original creditor ( XXXX XXXX XXXX ). Despite my requests, NCB Management Services has failed to provide any documentation proving they own or have the right to collect this debt.

Without a valid purchase agreement or contractual proof, the debt is illegally being reported and must be removed.

2. Inaccurate and Contradictory Reporting Across Bureaus The account information is inconsistent between the two credit bureaus : XXXX Report ( Ref : NCB Management Services ) [ 41 ] Account opened : XX/XX/XXXX Past due amount : {$1400.00} Reports as a collection account but lacks any payment history or verification of debt. 
Date of first delinquency is listed as XX/XX/XXXX, which is before the account was opened, making the reporting inaccurate. 
Comments state : " Account previously in dispute now resolved by data furnisher '', but I have never received valid documentation to verify this debt. 

XXXX Report ( Ref : NCB Management Services ) [ 42 ] Account opened : XX/XX/XXXX Balance : {$1400.00} No payment history is available. 
Lists the original creditor as " 12 XXXX XXXX XXXXXXXX, '' while XXXX simply states " XXXX XXXX XXXX, '' which is inconsistent. 
Comments state : " Dispute resolved ; customer disagrees, '' yet no supporting evidence has been provided. 
These inconsistencies violate 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and verifiable. Because NCB Management Services has failed to provide a consistent and accurate report, this account should be removed from all credit bureaus.

3. Failure to Properly Investigate My Dispute Each credit report indicates that I have disputed this collection account. However, under 15 U.S.C. 1681i ( a ) of the FCRA, if a consumer disputes an account, the furnisher ( NCB Management Services ) must : Conduct a reasonable investigation Delete any inaccurate or unverifiable information Since NCB Management Services has not provided any valid documentation proving this debt, they are in violation of the FCRA and FDCPA and must remove this account.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Type : XXXXXXXX Status : Dismissed Reference # XXXX XXXX Asset Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX XXXX Add a custom Message Type : XXXX Status : Dismissed Reference # : XXXX Asset Amount : Date XXXX XXXX XXXX Closing Date : Liability : Exempt Amount : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I had transferred {$1400.00} on XX/XX/2023 to Ally bank through XXXX Bank in search of better interest rates as I firmly believe banks tend to lie about their true interest rate or change it last second, I was happy with Ally until I noticed XXXX XXXXXXXX had offered 4.30 % APY noticing that and recognizing them as a big bank I was questionable and only started with {$500.00} on XX/XX/2023 realizing their interest rate was legitimate I decided to move funds from Ally bank to XXXX XXXX through XXXX as it is a faster method of transfer. I tried and it wasn't working, finally on the third or fourth try I had received a notification saying I'd met the daily limit, something I would've adhered to if I received the first time. Later I had received notice on XX/XX/2023 that they had locked my account, confused I called and asked them to unlock my account. I had done the whole verification process and they claimed it was under review for two days. So I waited the two days XX/XX/2023 I called them in the morning asking to please unlock my account they said that an investigator is looking into it right now and I should receive a call. I never did. I called back in the afternoon and received the same answer that it was under review by an investigator. I think it's ridiculous that I can't just verify my identity and unlock it right now, especially since I told them it was the account holder who was trying to transfer money. I've been told to wait tomorrow XX/XX/2023 to call in the afternoon but I don't have high hopes, I was just trying to transfer money. From a supposedly " Good '' bank now it's turned into a nightmare to get back my almost {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My full legal name is XXXX XXXX XXXX. XXXX, Experian and XXXX incorrectly list my name as XXXX XXXX XXXX. Please help me to correct and restore the accurate spelling of my name on my credit reports generated by XXXX, Experian and XXXX.
Product: Mortgage

My mortgage loan was sold to Loan Care, LLC effective XX/XX/2020. I tried to make a payment on XX/XX/XXXX but was told it would take until XX/XX/XXXX for everything to be finalized and verified but starting XX/XX/XXXX I could set up payments. I was also told that legally after a loan servicing transfer, the consumer has up to 60 days to get the payments set up without fees or penalties. I received an email on XX/XX/XXXX stating the loan was transferred and verified and I could set up payments. On XX/XX/XXXX, I set up a payment through a third party payment service and the mortgage payment was to process on XX/XX/XXXX and reach Loan Care on XX/XX/XXXX, that is LESS than one week from when the loan was finalized by Loan Care. On Monday, XX/XX/XXXX, I received a voice message from Loan Care to call them. I called and they were asking for a payment. I told them it was only four days since they finalized the loan and two of those days were weekend days. The rep said the call was an auto call and I should disregard it and she would take the info off my account. Two days later, XX/XX/XXXX, I got another voice message to call Loan Care and I called them back and yes, they are calling about a payment! This is harassment! Two days a part and I had already been told it would be taken off the file, as well as being told I had 60 days to set up a payment! The rep on Wednesday, XX/XX/XXXX, told me to disregard the call ; the payment had been received! Calling two days a part for a payment is harassment and it is magnified by the fact that Loan Care didnt have the loan finalized until XX/XX/XXXX AND we are in the middle of a pandemic! If this is how Loan Care does business they need to be shut down. They should not be servicing loans AND be a debt collection agency. That definitely blurs the lines for them and in my opinion creates a conflict of interest. They service a loan but do business like the debt collection agency with the mortgages they service. On a side note, I did not pick Loan Care for my mortgage. My mortgage was sold to them by XXXX XXXX. They also need to follow the law. Sixty days to set up payments without fees or penalties according to the law, not four days!
Product: Mortgage

I 'm writing because I 'm flustered and have exhausted my efforts with Nationstar bank on solving my mortgage problems and hope that you can advise me in a solution. 
Nationstar mortgage purchased my loan from XXXX XXXX XXXX in XXXX of 2013. Since then I have had nothing but problems. My loan is a 30 year fixed rate with the first 10 years going to interest. I am 3 months ahead on my payments. When I receive my statement each month, I have to call them and spend at least 2 hours on the phone to get the payment applied correctly because they have applied the payment to principal. In XXXX, I received a letter from them stating that after an analysis of my account, I was deficient in escrow and my payment was going to increase due to this shortage. My statements for XXXX, XXXX and XXXX reflected the increase from {$1500.00} to {$1600.00}. My calculations show that I will have a surplus of over {$800.00} by the time my property taxes are due, so why the huge increase. My statements for XXXX and XXXX show that I owe {$1700.00} with an overdue charge for $ XXXX.When I call about the overdue charge, they say it is because they received the payment late. When I tell them that I am 3 months ahead on my payments, they tell me not to pay the overdue charge and that they will make a correction. The corrections are never made. Now they are taking money out of my regular interest payment and applying it to late fees. This has cause a shortage in my regular interest payment and they have moved the remainder to principal. They have deducted {$80.00} twice. My statements for XXXX and XXXX have the same escrow balance. Why I do n't know. I have been on the phone for hours trying to get some answers and it ends up in being disconnected, in which they do not call back. When a Nationstar representative put me on hold to talk to a supervisor and I ask to speak with the supervisor, I am promised a call from a supervisor that never calls back or I am disconnected. I have been even told that we are the bank and we can do whatever we want. I have talked to XXXX in accounting and she was just down right rude and mean. She explained that I need to pay {$1600.00} per month. When I asked why they sent 3 statements showing I owe {$1600.00} and she disconnected the call. I did actually talk to a supervisor at one time and his name is XXXX at ext. # XXXX. He told me if I have any problems call him. On several occasions I contacted him for assistance and he asks for time to research the problem and then he never called back. I want a full explanation from someone at Nationstar that knows what they are doing and will go through each and every payment since they took over the loan. Someone that will not put me on hold for 2 hours and then disconnect and make me call back and explain everything all over again to a different representative. A representative that respects their customers.
Product: Credit reporting or other personal consumer reports

I found below credit cards, opened under my identity : XXXX. XXXX XXXX. Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX
Product: Student loan

I made a payment for {$10000.00} against my private student loans with Navient ( originally XXXX ). My goal was to make a dent in the principle and continue to make the minimum payment to help reduce the amount of interest I was being charged. However, once I made the payment, my bill was being sent to me with a monthly payment of {$0.00}. I contacted the servicer and was told that even though I made a {$10000.00} payment directly toward the principle, they were going to treat it as if I paid my loan ahead and bill me {$0.00} for years until the {$10000.00} had been utilized. I saw this as a tactic for them to collect more interest by me not making any additional payments toward the principle. Therefore I continued to make what I was told over the phone prior to making the payment my minimum payment would be. However, when I reviewed my file, i saw they were applying my payments to interest instead of the principle. I called again and they said even though I had a {$0.00} balance every month, they were still billing interest on the remaining balance on the loan and applying my extra payments to the interest they accumulated that month first instead of the principle. I requested that if i have no required payment every month then I wanted my payments applied directly to the principle and was told No.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to let it be known that there are accounts in my report that were unverifiable, incorrect and inaccurate. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are obligated by federal law to verify any and all accounts that you place on my credit report by physically verifying the original signed consumer contract. I will enclosed the previous letter as proof that I sent here for complaints and you are reporting those account as not disputed.
Product: Credit card or prepaid card

I had my Wells Fargo credit card turned off during the month of XXXX because I had just started a new job. A fraudulent charge went thru the account around XX/XX/23 even though It was turned off causing a fee for it overbalancing. I end up disputing the charge instead of reporting fraud ( a mistake on my part ). The next month another fee hits with out the dispute being resolved so I called them. They informed me I filed wrong action and pointed me to the fraud department. While filling at my fraud report with the department I asked the lady if I would have to pay those fees back immediately or if they would get refunded when this was resolved and she told me they would be refunded and not to bother paying them. Also claiming the account would be suspended till resolved. The original dispute even though being 2 months old at this point was still in the system making it so I couldn't file a fraudulent claim. Neither one of the two scam department reps informed me of this and another month goes by and a late fee on the account that was supposed to be suspended. That's when I call an find out the original claim blocked the fraud claim for going into action and no one told me or contacted me. The dispute supposed to expire after a month so I didn't even know 3 months later it was still active. They have refused to refund any of the initial fees nor any of the subsequent fees from their incompetence with filing the scam report. I filed a complaint and the lady who filing the complaint hung up on me. Later when someone reached out and I pointed out what they want they tried to claim none of the fees where related and they weren't going to pay a single one back. At the very least the late fee for an account that supposed to be suspended is unfair but to deny the obvious fees for the charge. They also deleted my old card and sent me a new one deleting all records of the events.