23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter dated XXXX XXXX, XXXX stating that my mortgage was being sold to another company, Newrez LLC with a new XXXX XXXX XXXX send the payment to beginning XXXX XXXX, XXXX. I did make the change of address to my online checking account which I pay mortage from and sceduled my payments for XXXX, XXXX and XXXX My mortgage statements for over the last XXXX years already say New Rez on them but this was a different " XXXX XXXX XXXX. My XXXX payment cleared but yet I received statement for XXXX months mortage payment due when my payment was made and electronic check cleared. I did call New Rez a total of XXXX times. I spoke to XXXX XXXX XXXX XXXX, who gave me an email address to send my proof of payment to which I did immediately. XXXX told me I had to send a copy of my entire bank statement for XXXX which I thought was invasive. I feel I am being treated like a criminal when I have had this mortage since XXXX and have NEVER been late XXXX payment. Nevertheless, I sent copy of my entire bank statement for XXXX On XXXX XXXX, XXXX I receive a certifed letter dated XXXX XXXX threatening foreclosure and saying New Rez has attempted to call me XXXX times which is not honest or true. I have received XXXX calls from New Rez. I am the one that has been calling them and emailing my proof of payment for XXXX and XXXX. It occurs to me that the old account number the old New Rez had assigned me was on my payments and their is a new account number for the New Rez LLC ( both the same name which XXXX be suspect ). I called New Rez again yesterday, XXXX XXXX and spoke to someone else who told me that XXXX XXXX should of had me email my proof of payments to loanservicing. I did mail my proof of payments AGAIN to loan XXXX on XXXX XXXX. All this has costed me hours of my time and I feel like I am getting the runaround when clearly this company has cashed both XXXX AND XXXX mortgage payments I have paid. I did email XXXX after receiving the certified letter threatening foreclosure and was then told I have to send a copy of front and back of my electronic check when I have already sent a copy of paid and cleared checks with confirmation numbers on them. I am now alarmed that this is some sort of scam as I have received a certified letter lying saying they have contacted me when they have not and threatening foreclosure with a certifed letter when they have already been sent proof they cashed the checks. My background is real estate and I am well aware of the shady scams some mortgage companies did to send people to foreclosure when not warranted. I pay all my bills on time including both my mortages and have excellent credit. This Mortage company has cashed both my mortgage payments and is threatening me with foreclosure which is NOT ACCEPTABLE.
Product: Debt collection

I paid off my Credit Card to XXXX in XXXX of XXXX. The credit limit that I had was {$500.00} and I paid the full {$500.00} and it was accepted. Recently, Midland Funding reported on my Credit Report that I owed {$830.00}. I sent them proof that I did not owe this amount and they removed the {$500.00}. Now they are reporting {$330.00} that I owe them. They last reported this XXXX XXXX. I have repeatedly sent proof to XXXX all XXXX credit bureaus and XXXX and Midland Funding without success.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding discrepancies in the credit reporting of my account, XXXX, with account number XXXX. The reporting of this account violates the Fair Credit Reporting Act ( FCRA ), as the information is inconsistent and inaccurate across multiple credit reports.

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to investigate and verify any disputed information within 30 days of receiving a consumers request. Despite my efforts to dispute the negative information related to this account, the account has not been properly verified or corrected, in violation of the FCRAs standards for accuracy.

Specifically, the balance discrepancies and late payment history reported are inaccurate & inconsistent across all 3 major credit reporting bureaus, XXXX, XXXX XXXX Experian. Given that these discrepancies are substantial and the account has not been properly verified, I respectfully request that the entire account be deleted from my credit reports in accordance with 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy in the information they report.

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.
Product: Credit card or prepaid card

XXXX XXXX and Synchrony XXXX Credit Card are using unfair and deceptive credit practices by not listing specific art works on the credit statements ( Art purchase is all it states ). They Parkwest reverses charges after they bill items to falsely make it appear you have credit remaining when you dont. Synchrony is aware of this policy and will allow XXXX to exceed your credit limit when the works of art are delivered without a notification or a hard stop before the products are delivered. Single purchases can be refunded if it can not be supplied, but XXXX does not itemize purchases to the credit card so no one knows what was billed from an art invoice.
Product: Credit reporting or other personal consumer reports

I was in a wreck and my lease was paid off in full by XXXX XXXX in XXXX. I was never late on a payment and my monthly payment status shows this with each credit bureau. Initially, the remark on the account said 'natural disaster ' and then it was updated to 'early termination/ insurance loss ' On XX/XX/2024. This remark has caused my XXXX to drop roughly XXXX points. This language is erroneously interpreted as derogatory with XXXX. Because of this language, XXXX is showing that I have this account with a XXXX and XXXX days late payment and 96 % accounts paid as agreed instead of 100 %, as it should be. However, when going through the monthly payment history, there has never been a late payment. For a resolution, I would like the remark 'early termination/insurance loss ' removed from this account or I would like the account totally removed from my credit history from each major credit bureau, due to its false and negative impact its having on my XXXX credit scores. Thank you.
Product: Checking or savings account

PNCs takeover of BBVA Compass has been a nightmare for our family. Its also been terrible for our business ( payroll for almost XXXX people! ) but I will stick to our personal banking situation. Our debit cards do not reliably work for transactions in person, online, or for ATM withdrawals. Weve resorted to always carrying an XXXX XXXX card with us at all times. Weve had major and minor transactions declined and feel as though our money is held hostage by PNC. In conversations with various retailers at the point of sale they say that they hear complaints about PNC all the time. I handed my card to a gas station attendant a few moments ago and she said oh I hate this bank.
Product: Student loan

I am unaware of this high loan on my credit report. I have asked Navient to submit this loan with original signature several times but they have failed to do so. I am getting getting 60 days late on my credit report and I am not late at all. I don't know why I have been making payments all these years on a loan where no one have the original documents. Please submit original documents on this loan with both signatures of me and co signer or close out this loan. The interesting rate on this loan is as high as 6 % and it's extremely high for a student loan. I gave no income and I am going through an medical emergency. The last thing I need is Navient damaging my credit.
Product: Payday loan, title loan, or personal loan

This company does not follow the lending laws and regulations of the state of Virginia. When I tried to resolve this issue and stop any further transactions I could not get any resolution nor would they send me documentation of the validity of this loan or online agreement. I no longer can get in touch with them. They have turned the account over to Midwest Recovery Systems for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. XXXX what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I haven't been late on any of my payment obligations but for some reason NAV is falsely reporting XXXX  late payments on my credit report and I demand that be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i traded my lease to purchase a new car back in XXXX,,, before anything could happen i had dealership pay off my lease,,, so i called XXXX XXXX XXXX XXXX who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my XXXX  credit report is showing i paid this lease XXXX  months late, so i disputed this with XXXX  saying i never paid XXXX  months and sent a copy of check dealership sent XXXX... 
i already took a awful hit on my credit XXXX XXXX years ago, and now XXXX  is hitting my credit score again!!! 
i have disputed this on this site 2 other times, when will this be behind me after all these years!!! 

thx
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Transunion, & XXXX notifying them all also showing proof of Identity Theft & showing XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX doesnt belong to me nor have I allowed anyone to open them in my name they have all responded saying they placed it back on my credit report because the Creditor responded to the dispute saying the accounts belong to me & Im responsible this is very wrong & my credit reports should not have this negative information reporting.
Product: Credit reporting or other personal consumer reports

Chrysler Capital responded and said that they researched my claim and decided that they were correct in reporting me late. HOWEVER, I called to get the payoff prior to the 30 day late window expiring, and I signed documents including a POWER OF ATTORNEY at the dealership that put liability on the dealership, NOT ME! I was NEVER 30 days late with any of payments with Chrysler Capital. This late payment has drastically impacted my credit score that I have worked so hard to bring to where it was at. I asked the dealership several times about not wanting my payment to be late and I made note to Chrysler Capital when obtaining the payoff that I was in the process of trading the vehicle in. I tried to do everything possible to prevent this issue from happening. If nothing else, they should remove this late payment as a one time courtesy seeing as they account has been paid in full as I have NEVER been 30 days late and I have paid almost $ XXXX in interest over the last 23 months!
Product: Mortgage

I have a mortgage with Astoria and they are taking out XXXX taxes XXXX/year in addition to XXXX, XXXX taxes taken out. When I inquired as to why I was paying XXXX taxes although I live in XXXX, XXXX I was told they would look into it. I received a letter that they had rectified the situation but with no supporting information. I do not know how log I have been paying this erroneous tax as I can only access back to 2013 my records. I would like to know what this is, how long it 's been going on, and get any reimbursement that is due me.
Product: Money transfer, virtual currency, or money service

On the day XXXX of XXXX, I resend a transfer that I put with incorrect information, now with information that suppose to be correct. Then I wait until the XXXX of XXXX because this it suppose to be the date to recieve the money, but for my sorprise the operation appear to be completed but I do not see any money, appart of my actual amount, on it. Then, the next day I ask to my bank about my transfer with my reciept, but because some but data inserted, it suppose to be refunded again and be able to resend to the correct information as it can see on the files below. 
And now because I wait the legal 48 hours for my refund and do not see nothing I need to look for help of some other organization because I do not see any cooperation from the site responsible of the Transfer TransferWise. 
I believe that this error can be solved for continue with my studies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX  XXXX Balance : {$24000.00} XXXX XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus are reporting inaccurate information ... The medical bills on my credit have all been retracted by the hospital.. the collection companies claim they have removed and that it is the bureaus reporting these still as they are only on 1 or 2 of the bureaus. I keep disputing these and the bureaus are not removing them, yet they won't prove to me how they verified them. XXXX is not valid verification and I was told they are deleted! 
I am so frustrated as I have taken care of all these through the hospitals and they are paid or written off in charity!! 
I need this to be taken care of : Transunion - XXXX XXXX XXXX, XXXX   XXXX  XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX,, Not reported XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

my credit was ran through these companies without my knowledge and put on my credit without my consent of me knowing and would love to have them removed from my inquiries dates in start from XXXX XXXX
Product: Debt collection

I been reaching out to this company since XX/XX/2019. I been calling and getting no response, I also been sending in letters every month to dispute false debt. I'm frustrated because this debt is in collections on my credit report. The debt it totaling {$470.00} from XXXX and XX/XX/2019 and its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times explaining that these accounts from XXXX XXXX are fraud accounts. I have provided a police report, identity theft report and my ID along with proof previously requested. Please delete and block all the accounts from my credit report because this is fraud that you are reporting. Please delete & block these accounts.
Product: Student loan

This is a long read but please bear with me as the details are important. 
1 ) My federal student loans were transferred from XXXX XXXX XXXX to XXXX XXXX XXXX in XX/XX/XXXX. I am on the income driven PAYE plan and also enrolled in public service loan forgiveness. I recertified my income and payment amount in XX/XX/XXXX with XXXX XXXX. We made one payment, under this new certification, of {$130.00} to XXXX XXXX before the loans were transferred to XXXX. I only transferred them because we enrolled in the PSLF plan. 
When the loans were transferred to XXXX XXXX, they told us that they would honor the recertification payment amount of {$130.00}. We have documentation of the payments made in the amount of {$130.00} to XXXX XXXX and they were on time payments. 
They gave us a due date on the XXXX  every month. We knew this payment would be increasing over the years so we wanted the due date to be moved to the XXXX of every month. We called and asked XXXX XXXX if we could change the due date to the XXXX every month. We made our payment on XX/XX/XXXX in full. We called on XX/XX/XXXX to change the following month 's payment to the XXXX  and every month thereafter. It would be XX/XX/XXXX for the first higher payment amount based on the website payment. However, the notice we received now says that it goes into effect on XX/XX/XXXX. This inconsistent information is exactly why we are complaining. 
The complaint is that they are now charging a higher payment and no one said that our payment would be higher simply by changing the payment due date to the XXXX. We feel that they are abusing their power and unfairly charging us a higher amount even though we have recertified and 12 months have not passed. We are only in month 4 and they increased our payments. We had no change in family size or income. They claim that the system recalculated the payment amount when they changed the due date. They refused to manually change the payment back to the original amount of {$130.00}. We feel that they are unfairly charging us a higher amount of monthly payments before we actually recertified. Their system is recalculating payments and is against the department of education 's guidelines for recertification and payment changes. 
2 ) When the loans were transferred in XX/XX/XXXX, it immediately went into forbearance which we did not request. We asked to make a payment in XXXX but the lady on the phone told us we were not allowed to make a payment because it wouldn't count. This is all recorded over the phone. Now, the notices show us as missing a payment but this is simply not true. The loan said it was in forbearance. We can easily pay the required amount but we were directly told to not apply a payment until they could remove the forbearance status. Any and all mishandlings related to this forbearance need to be cleared. We obviously don't want to be in forbearance if we're trying to make the 120 qualifying payments as quickly as possible.
Product: Mortgage

My lender was asking US Bank to subordinate a HELOC that had moved from 2nd position to first position when I paid off the first loan several weeks ago. A new first loan will be taken out and US Bank was asked to subordinate their loan as they had done previously with the other mortgage I paid off. They asked for a {$250.00} fee to do the subordination. They cashed the check and then declined to subordinate. The fee was never earned as it was not an application fee of any type, it was a fee to actually subordinate their HELOC which they refused to do. I paid off their HELOC and have requested a return of the {$250.00} fee from several departments within the bank. They never get back with me. The reference # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I exercised my right and questioned the validity of a debt that Enhanced Recovery is reporting negatively on my credit bureau. I have obtained proof that Enhanced Recovery received my request on XX/XX/2019 at XXXX XXXX. I have attached both copies in my complaint. Today is XX/XX/2019, and Enhanced Recovery has not responded to my request for proper verification for debt. Enhanced Recovery had 30 calendar days to respond, from the date of receipt, and because they have not sent any verification are currently in violation of the FCRA. Due to Enhanced Recovery being in violation of the law, I am not insisting that they remove the negative information that they are currently reporting on my credit bureau immediately.
Product: Checking or savings account

The letter explains to the best of my ability what has been going on. 

I feel that I want any stollen moneies returned as well as the people that are doing this to me get prossacuted, and this to end completely for good.
Product: Debt collection

In XX/XX/2024, I disputed an account from the RESURGENT/LVNV through XXXX. I provided them with 15 U.S.C 1681. The information on my account has to be accurate. The account came back as verified. I filed another dispute in XX/XX/2024, requesting a reinvestigation according to 15 U.S.C 1681i. On XXXX XXXX XXXX the account came back as verified. According to 15 U.S.C 1681, the information on my credit report has to be accurate. Ive never done business nor signed any contract with the company. This account is affecting my credit report negatively. I wasnt provided with any information on how they went about verifying the accuracy of this account.