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

In XX/XX/2021, Neiman Marcus sold off their interest in their credit cards to Capital One and transferred all of my account information over to Capital One. At that time, they deactivated my credit card account and the " auto pay '' that I had set up with them. 

After Capital One took over, it took some time for me to realize where my payments had been swapped over to and they claimed I was 30 days past my bill date ( on what was a {$25.00} minimum payment ) to the new account. 

I have no way of knowing if this is correct or not, but I have had an account with Neiman Marcus for over 7 years and NEVER had a single missed or late payment. It wasn't until Capital One took over that the very first month they HIT MY CREDIT with a late flag. 

I would appreciate them allowing me a 1x courtesy of removing the late hit on my credit and restore my account/status to normal. I have already went into their new system and set up automatic payments and have set reminders on my calendar to " check '' and ensure a payment was processed for the month so this never happens again. I know this is something they don't have to do, but I've written several letters to them and I have had no responses from them in any capacity.
Product: Mortgage

Missing closing documents, there was an error in the full amount of the transfer of funds, and completing the legal paperwork that records the sale. I am unable to locate realtor and the escrow company ( XXXX XXXX in CA. ). I also contacted CitiMortgage who was my loan servicer and never received the requested documentation. 

Never received matching financial records from the sale of my home in 2014. I believe there was an error the total amount I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This needs to be removed from credit report. It is not accurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting inaccurately. i had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies have a duty to report all information with complete accuracy. this account was not been late on the months that it claims that I was late. I attached a copy of my report to this complaint on the following dates ( XXXX and XXXX ) Account number ( XXXX  ) I'm now requesting that you investigate and provide verifiable proof with records and statements showing that I was late on payments for the month of XXXX and XXXX. I ask that this information be updated immediately to paid on time while this information is being investigated and or verified. Late payments hurts your score and these payments are hurting my credit.Thank you for your understanding and prompt action.
Product: Mortgage

To whom it may concern, I recently received an unsolicited phone call from my current mortgage company Freedom Mortgage. Their representatives called and offered to refinance my mortgage from a 3.25 % interstate loan to a 2.75 % interest rate with approximately XXXX in closing costs. I was promised that I would not loose credit for the 5 yrs I've paid into my loan and I would have any overage in my escrow account returned to me. When I got my initial disclosures everything looked fine. A representative called from the company and advised me to stop my auto draft, because I wouldn't have a mortgage payment due in XXXX. so I did. While on the phone, I had several questions about the disclosure that he was not able to answer, but assured me I would get another disclosure 3 days prior to closing.As my closing date got closer and I hadn't seen my final disclosure, soI reached out to my loan officer. I sent emails and made several calls, that I got no response to. On the day of my closing I had a completely different loan. My loan term went from 25 to 30 yrs, my closing costs when from XXXX to XXXX and they took my escrow and applied it to my loan when I was promised that wouldn't happen. I just paid a shortage of XXXX to keep my mortgage note as low as possible during these uncertain times. My wife and I are both healthcare professionals who risk our health and life on a daily basis as we fight this pandemic. Mortgage companies shouldn't be acting reckless during a time like this. We feel like Freedom mortgage intentionally lied to us, hoping we would got through with a bad loan. We thank you for your assistance in this matter.Stay safe and GOD Bless.
Product: Mortgage

My mortgage company ( TCF Bank ) was suppose to pay my property taxes before the end of 2020. As of today, there is no record of these taxes being paid. I have contacted them numerous times in the past few weeks but nobody can explain why my city clerk has not received payment. TCF Bank states that they dispersed the money from my account to pay the taxes on XX/XX/2020. The amount they paid was the correct amount for my taxes. That's all they can tell me. They can't tell me who they sent the money ( city clerk, a holding company ) or how they paid it ( electronic or check ). They won't even tell me if the payment cleared their bank and when. It is very frustrating for me because this has never happened to me before. I should note that TCF Bank took over my mortgage a few months ago from Chemical Bank and now I have to put up with this XXXX. My money is gone and no one at this company really seems to care because I keep getting the run around. Please help me. Thank you.
Product: Debt collection

This Aargon company has false claim posted on my credit profiles cropping my score of XXXX points with no agreement with me as I do not know them or owe anyone as it was proven by my bank on XX/XX/XXXX that I did not authorize XXXX to take monies from my account as there was no documents to support XXXX during the investigation in which I was found to be correct as no documents supported XXXX claim. In XXXX of XXXX XXXX XXXX  made this assertion on my credit profile for {$300.00} for XXXX on XXXX under account XXXX. On XX/XX/XXXX is was deleted due to the letter from the bank I sent in to show proof I was refunded after an almost 2 month long investigation by the bank. Now Aargon Collection under account XXXX {$300.00} for XXXX again less than a year later in late XXXX XXXX XXXX  called and even emailed my personal email demanding monies for a false claim proven to be false by my bank 's accumulation of evidence which showed I signed no nothing for any contract/agreement with XXXX and thus was refunded by my bank with the amount the bank could recover as I never got all my money back only {$240.00}. On XX/XX/XXXX I sent a cease and no contact letter via Registered USPS to Aargon and they further refused to remove the false report which has damaged my credit XXXX XXXX and ruined my no negative credit on my profile which also shows 3 credit increases from 3 creditors in the past 12 months and no late payments ever on my profile. I am XXXX and this form of greed for a claim proven to be false twice already in the past 2 years and having any collection agency sell it to another to have me have to keep repeating everytime is violating Section 623 of the FCRA is being routinely and with malice being violated and causing Me harm. Also XXXX is violating this Section 623 FCRA as they know from XXXX Report XXXX for the same claim that was deleted after I provided my letter from the bank on the unathorized findings by the bank to charge me for anything, only to let Aargon Collections to file the same claim on XXXX Report XXXX for the same {$300.00} under account XXXX for XXXX. And I disputed it and XXXX left it on my credit profile knowing that a previous Collection agency ' XXXX XXXX ' lost and was removed on XX/XX/XXXX by the documents submitted to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit company ( XXXX ) will not remove this and the opening date is incorrect name : XXXX XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX balance amount : XXXX status : closed Credit company ( Experian ) will not remove this old account, this account is closed but they have it listed as opened. 
name : XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX pass due amount : XXXX balance amaount : XXXX  1.Credit company ( XXXX ) will not remove this old account delinquencies name : first premier date opened:XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed 2.Credit company ( XX/XX/XXXX ) will not remove this old account delinquencies name : XXXX XXXX date opened : XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed
Product: Debt collection

I have received multiple phone calls from companies claiming to be representing loans serviced by XXXX XXXX. I did originally take out student loans from XXXX XXXX, but they were paid in full many years ago when I consolidated my loans, and those consolidated loans are also paid in full. In addition, XXXX XXXX hadn't serviced my loans for years when they were paid. These calls appear to me to be a scam so I have refused to answer any questions when they call. They always want me to tell them my birthdate which I refuse to do. The most recent call was supposedly from someone named XXXX XXXX at Radius Global Solutions, apparently located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX KS, XXXX. I really want these calls to stop as it is concerning to me that these people have some information about me, but not correct information and are looking for more.
Product: Vehicle loan or lease

On XX/XX/XXXX, Ally Financial issued an auto loan to XXXX XXXX XXXX. This was 13 days after his death on XX/XX/XXXX. 
This loan now appears on his credit report as a bad debt. 
I wrote a letter to Ally Financial on XX/XX/XXXX requesting a letter from them stating : 1/ Loan was not taken out by XXXX XXXX 2/ His estate is not responsible for the debt 3/ Confirmation they had removed the record of the loan from his credit report. 
Received a call from Ally Bank on XX/XX/XXXX stating letter had been sent. 
Called Ally on XX/XX/XXXX - letter was sent to wrong address and only states account was closed. They do not confirm the information is removed from the credit report and it has not been removed.
Product: Debt collection

I am not liable for this debt with VW Credit Inc. I do not have a contract with VW Credit Inc.

They did not provide me with the original contract with VW Credit Inc. as I requested.

VW CREDIT INC Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit card or prepaid card

I found a charge for {$110.00} a month from the bank for insurance to cover my card in case of problems paying. The date they show that I ordered the insurance I was in the operating room getting my XXXX XXXX XXXX So when I call and complain I get it cancelled and a refund for most I was charged. Then the monthly payment which was {$220.00} for the previous year with a {$7000.00} balance goes up to {$390.00} and now it is {$590.00}. I call the bank and they can not explain and say it will be more than likely going higher. 
How can a XXXX XXXX vet pay this?
Product: Checking or savings account

All my business accounts are closed for unknown reason by Wells Fargo. When I asked the bank for a reason, they would not disclose the reason. I then tried to open the business accounts with XXXX and they closed accounts again for the same unknown reasons. XXXX closed my accounts in XX/XX/2022. I want to resolve whatever issue is going on so that I can fix this problem. I have businesses to run.
Product: Mortgage

I have my mortgage with PHH Mortgage since XX/XX/XXXX. I recently declared a Chapter XXXX. My Mortgage Company Froze my account until the case was resolved which I understand is the correct thing at that point. However, As perXXXX/XXXX/XXXX, my lawyer as told me that '' All disagreements about my case with my mortgage company have now finally been resolved and I can now start to make a regular monthly payment ''. I need to know the correct monthly amount now and going forward. as well because my annual escrow statement was mailed to me saying my payment will change, so I am also not sure which amount to use {$710.00} or {$670.00} or something else? However the BIGGER issue when I have now attempted to make a payment and get the correct amount to pay they tell me the amount, no one at PHH Mortgage will except or let me make my payment. They say their system has not been updated on the case details and my account is still Frozen. Some of The departments with PHH Mortgage that I have tried to make a payment too are : ( Regular Service Dept, Loss Mitigation, Foreclosure, Default, Online, Their Attorney and they tell me if I mail a payment and the system is not updated they would not even take that. They would send my check back to me with a letter ). By Bankruptcy law, I must make all required payments as indicated and this payment is one of them. By blocking me from making a payment, I can have my case dismissed by the court.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted TransUnion and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with XXXX, TransUnion and XXXX because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. TransUnion, XXXX and XXXX will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.
Product: Money transfer, virtual currency, or money service

This is regarding Paypal. I purchased several items from a tack store online and used Paypal to make the transaction. Paypal has my credit card information so the purchase was charged to my credit card. I returned one item and the online tack store refunded the amount through Paypal which was to go back on my credit card. However, Paypal put the refund into a cash account instead of refunding my credit card. They will not transfer the refund money to my credit card. If I try to get the refund money sent to me through a check ( which would be send to my address that Paypal already has record of thru my credit card information ), Paypal states they won't send it unless I give them personal information -- - either my Bank Account number or my Social Security number. This is very disturbing to me. I believe they are trying to collect as much personal/confidential information as possible for no legitimate reason. I have tried to resolve this for weeks and can not even speak to someone who understands the english language. Keep getting representatives in the XXXX who do not even comprehend what I am trying to resolve. It is Paypal 's error and they will not fix it and transfer the refund to my credit card.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
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 15 USC 1681. 

Account name : 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 I reviewed my Transunion report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report if shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 161 ( e ) ( b ).

And according to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information is inaccurate.XXXX
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX and can see there are numerous items in collections that I have no association with. There are XXXX different companies but XXXX different accounts between them. XXXX with XXXX XXXX XXXX with differing balances of $ XXXX, XXXX and XXXX and information between XXXX and XXXX and XXXX with XXXX XXXX XXXX for {$3000.00} and 2000. 

I would like to see my signature on any contract with those companies names on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In applying for a mortgage thru XXXX XXXX XXXX XXXX who uses XXXX XXXX XXXX since XXXX - XX/XX/2018 my credit report was pulled multiple times by the Broker and again pulled by XXXX for the same transaction causing hard inquiries on my credit files, which translated into negative information and fall in my overall scores. Between both entities they pulled my credit about eight ( 8 ) times. It could have been done differently to denote that it was ongoing transaction NOT separate and distinct.
Product: Credit card or prepaid card

To my surprise when I went on to my PayPal account, I had a PayPal credit attached to it with a {$4700.00} credit limit. I reached out to PayPal credit and they told me my account is in good standing and ready to use. I tried sending funds to a family and friend. I tried to purchase an item both using paypal credit and it won't show up as a credit option. PayPal credit is set as my preferred payment option. I spoke to PayPal many many times and they aren't fixing it. They are giving me all kinds of excuses and resolutions but nothing works and they keep passing on to paypal credit Paypal credit says " all is good on their end and its a PayPal issue '' I have this money available to me but PayPal is not allowing me to use it. What's the point of giving me credit that I can't use. Its been two weeks now of back and forth with PayPal and no resolution. They keep telling me to use another form of payment. Why do I need to use another form of payment when they gave me PayPal credit, its now on my credit report that I have this credit open but they aren't allowing me the option to use it because they won't take responsibility for the glitch in the system. 

I did some research and this issue is happening with many PayPal consumers. They are all complaining about the same issue on the PayPal forum. 

I've been talking to them since XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me, but there are several accounts that were open under my name that are not mine and need to be removed. Please remove these fraudulent unknown accounts from my report. 

DEPTEDXXXX XXXX {$11000.00} DEPTEDXXXX  XXXX {$3400.00} XXXX XXXX XXXX {$26000.00} DEPTEDXXXX  XXXX {$21000.00} DEPTEDXXXX XXXX {$6100.00} DEPTEDXXXX    XXXX {$20000.00} XXXX  XXXX {$3200.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX XXXX {$7500.00} XXXX XXXX   XXXX {$23000.00} US DEP ED 4XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX {$290.00} XXXX XXXX  XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX {$990.00} US DEPT ED XXXX {$8500.00} UD DEPT ED XXXX {$9000.00} XXXX   XXXX {$5300.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$480.00}
Product: Credit reporting or other personal consumer reports

Equifax admitted that my personal information and credit history was breeched and sold on the dark web