23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX I, XXXX through its lawyers Apothaker Scian P.C . garnished my bank in XX/XX/XXXX and again in XXXX for money not owed to them. I had petitioned the Court to strike the Default Judgements Apothaker Scian P.C . obtained without notifying me with a required Certified Mail 10 days notice. Both petitions were granted for the Judgements to be striken. However, Apothaker Scian P.C still did not reimburse me for the {$250.00} fees I lost due their attempts to steal from my bank account. It caused me to suffer {$250.00} in loss for non refundable bank fees and have refused to repay it. They also damaged my Credit Report and have refused to compensate me for the damage on my reports since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act TXXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 A section XXXX it also states a consumer reporting agency can not furnish an account with out my written instructions. XXXX XXXX XXXX XXXXi has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX Funding, all XXXX are showing on my report with the same Account Number XXXX
Product: Credit card or prepaid card

I was alarmed when I ordered my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Credit reporting, credit repair services, or other personal consumer reports

I made a payment and it was confirmed and they pnc bank said 2 days later payment did not go through so they put it in collections and reported it to the credit reporting agencies hurting my credit and I ask them to remove from credit reporting agencies they denied. I put in the right information to the automated system and it confirmed it. Everything was recorded per our conversations with 3 of their agents. I need a 3rd party to judge this case. They are unreasonable.
Product: Mortgage

I was approved for a Loan Modification CITI Mortgage and made all of the the Trial Modification payments IAW the terms and conditions of the Trial Modification terms. CITI mortgage sent me Final Mod docs and the incorrectly are asking my Ex Wife to sign the Final Modification docs as a Borrower when she has no interest in the property ( the property is solely titled in my name and my Ex Wife never signed the original promissory XXXX XXXX multi State document. I signed the final Mod docs and noted o them that my Ex Wife refuses to sign them and also, I informed CITI 's Execute Response Representative the same. This past weekend I received a Demand Notice from CITI for payment in full though I have in fact returned the Final Mod docs with the requested XXXX Payment in accordance with the requested dates. At this stage of the process, I do n't to incur more attorney costs in defending myself from a Foreclosure XXXX by CITI. I just want the correct XXXX XXXX docs to be sent to me not asking for my Ex Wife to sign them and we can finalize this long process.
Product: Vehicle loan or lease

We obtained an XXXX XXXX from M & T bank on XX/XX/XXXX. On XX/XX/XXXX we sent assigned payment amount of {$660.00}. This was an electronic payment who our bank guarantee that even by mail would only take 5 days. On XX/XX/XXXX we received a late payment in the amount of {$33.00}. I dont know what they did with the payment that was due XX/XX/XXXX with no late charge to incur until the XXXX. 

XXXX XXXX owed us a refund for overcharging us and submitted checks to M & T bank on XX/XX/XXXX, XX/XX/XXXX. The amounts of these checks were {$5600.00} and {$5400.00} & {$4200.00}. These checks were to be applied to principle only. 

On XX/XX/XXXX and XX/XX/XXXX we submitted payments for {$800.00} both times. 

Almost every day we check our online mobile app and the money submitted is constantly reversed and they add daily interest. We have called numerous times and always get a run around that they will check in to this. 

We have payed {$17000.00} off our loan and today the loan is more than we started with. This is completely unacceptable and would like to know what direction to take to resolve this. 

Thank you!
Product: Debt collection

IT WAS STOLEN MY PERSONAL INFORMATION, WAS STOLEN, I NEVER HAD BUSINESS WITH LENDINGUSA. 

EXPLANATION 1-ALL THIS IS FRAUDULENT WITH FALSE STATEMENTS.

2-I NEVER SIGNED ANY DOCUMENTS WITH YOU ( LENDINGUSA ) 3-NOW THEY ARE GOING TO SEND ME FALSE DOCUMENTS AND STATEMENTS.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX 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
Product: Mortgage

On XX/XX/XXXX a fee of {$450.00} dollars was charged by Navy Federal Credit Union for an appraisal. I was dissatisfied with the service and canceled the appraisal and closed with a different company. Navy federal has refused to refund the {$450.00} dollar charge and can not provide the appraisal since it was never completed.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

We have short sale approval with US Bank that was good through XX/XX/XXXX. I found out that the buyer 's needed to receive their first month social security deposit to meet a funding condition and would not be able to close until XX/XX/XXXX. I was told by the negotiator on XX/XX/XXXX that the extension through XX/XX/XXXX would be allowed. However, I found out yesterday that he can not issue the extension because the foreclosure date is set for XX/XX/XXXX and US Bank is refusing to postpone the sale date. The buyers are already DEEPLY invested with the closing process include spent hundreds of dollars on appraisal and inspection and US Bank is being completely unreasonable especially after the fact they said an extension though XX/XX/XXXX would be allowed.
Product: Debt collection

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has 30 days by law to respond back they have not done so. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
In your investigation results please prior to debt validation constitutes collection activity. 
In your investigation results please provide the names, addresses and telephone numbers of individuals contacted during your investigation.
Product: Credit card or prepaid card

I'm having a problem with Wells Fargo. My XXXX XXXX account. Specifically, payment allocations for purchases, balance transfers, cash advances, overdraft advances, and bill pay advances. They are not applying my payments to most expensive balances. They are only applying the amount over the minimum to the 5 interest balances. WF claims that this is federal laws for banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance off on XX/XX/XXXXof {$22.00}, which is what I owed. I also moved into my new address and updated my address on XXXX. They show a balance of {$4.00} for what? The representative in the XXXX didn't know what i was talking about and his manager couldn't come on the line. This happened three time without any help. 
This negative derogatory action has affected my credit score, they inputted my address incorrectly by their office in the XXXX due to a language barrier.
Product: Credit card

This morning at XXXX XXXX  I got an alert from XXXX  that a capital one Quicksilver card was opened in my name. I didn't open this account and I also got an email from capital to my email about the card. Also had a second alert from XXXX XXXX XXXX about a hard inquiry for a card with them. I'm not sure if that one went through or was blocked as I had locked my credit with XXXX. I have also now locked it with XXXX  and made a credit dispute with them.
Product: Credit reporting or other personal consumer reports

I recently found a memo from TransUnion stating that child support collections are not credit transactions and excluded from Consumer Files. XXXX and TransUnion are willfully neglecting and non compliant to the FCRA laws
Product: Debt collection

repeatedly attempted to reach portfolio recovery associates about a incorrect account on all 3 of my credit reports. I am not getting a response and the information is stopping me from getting a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, XXXX, and Equifax 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX, XXXX XXXX This is my only name and my only address
Product: Credit reporting or other personal consumer reports

I attempted to apply for credit and was denied, I was told to look over my credit report and if you find andy discrepancies to file a police report. I found two ( 2 ) unauthorized accounts on my credit report that has been reporting as collections two ( 2 ) CREDIT CONTROL SERVICE I've tried disputing these accounts and they can not provide me with any evidence or documentation that I had these accounts.

I have items on my consumer report that are a result of Identity Theft and not made by any transaction related to me There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.
Product: Credit card

They have been calling my cellphone after I repeatedly told them i am at work and they cant keep harrassing me sometimes its a machine sometimes a live person they call say something and hang up. U was told because i couldnt post date a payment i wasnt allowed or qualified for a special program and i didnt have the right to call in on my pay to make a payment on my own they refused to stop the calls and refused to remove my number
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

We have been scheduling our mortgage payment through our bank ( XXXX XXXX for scheduled payment prior to the due date each month. For XXXX out of the last XXXX months M & T has failed to cash our check in a timely manner and has blamed us for the late payment. They have charged us late fees and refused to remove them XXXX even when we have offered to take a picture of our XXXX account information showing the payment was debited from our account in timely manner ). We believe they have unethical practices and are just trying to cash payments late or say they " lost '' payments in an effort to make more money and collect late fees. They have even gone so for as to have there " mortgage assistance and debt collection '' department call me at work. This is beyond unconscionable. I have never been late with a payment and have never had trouble with making online bill payments with any other payee.
Product: Mortgage

United Wholesale Mortgage is overcharging my escrow account and is refusing to refund the overcharges. 
They have overcharged my account for the month of XX/XX/2021 by {$110.00} and this is just another abusive practice. 
My monthly PMI is {$110.00}. My yearly PMI is {$1300.00}. The year has 12 months. According to United Wholesale Mortgage, the year has 13 months. PMI is applied twice for XX/XX/2021. 
Please see enclosed evidence. ( they charged {$1400.00} for XXXX PMI instead of {$1300.00} ) I am being constantly abused and lied by this company. 
I live in fear having them to administer my Escrow Account. Every letter/notice from them contains errors as answers to requests to correct errors or Errors to justify unjust enrichment. 
Refund immediately please and STOP the constant abuse! 
The " errors '' you constantly make are used as weapons to create emotionally distress/abuse. 
Please STOP the abuse and the obstructive practices.
Product: Payday loan, title loan, or personal loan

I made a purchase through Klarna but cancelled the item right after placing the order, die to buyers remorse. No Klarna is saying that I still owe the interest and fees associated with the order Cancelled the same day. I tried to contact Klarna directly to resolve the issue with the {$2.00} fee but they refused to help me. They put me on hold for over an hour then hung up. I tried to call back a second time and the same thing happened again.
Product: Mortgage

My mortgage servicer ( Bank of America ) approved me for a loan modification and a small error was made on the signature page of the permanent loan modification documents. BOA erroneously sent correspondence to another XXXX of their customers in another state XXXX XXXX & I never received any information that my documents had errors. Subsequently, I was never informed that my permanent modification was never processed. I was under the impression that everything was completed, as per my Customer Relationship Manager had told me numerous times throughout the entire process, as well as several other BOA representatives. I continued to make all of my payments for a year until my loan suddenly entered foreclosure. I spoke to over XXXX different representatives who told me that my loan was approved, that this was a clerical error, and to disregard the issue. I am now in pro se litigation to defend this issue, my credit, and try to save my home, that should have never have gotten this far. I have made all of my payments, and have only missed XXXX since the origination of my mortgage.
Product: Mortgage

LOANCARE unilaterally voided a loan modification blaming the Veterans Administration See attached complaint regarding LOANCARE , LLC Servicing :
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts for Affirm were closed and the debt has been i paid in full, accounts show still owed
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration regarding the failure of Experian to open an investigation into my recent disputes, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation, my disputes have not been adequately addressed, which is a clear violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXX, De XXXX My phone number is : XXXX My employer is : XXXX XXXX Please remove anything on my consumer reports that does not reflect this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear reader, I am reporting a complaint and potentially I may even file a law suit against XXXX, XXXX, and Equifax. After looking over my reports I have discovered some things that are beyond belief and disturbing, the amount of inaccuracies that are on my report are unbelievable. I would like to start off with the addresses : Current Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX As you can see these XXXX are not mine and are fraudulent. My home address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and on that report which I will be providing for you all it reads that my current address is XXXX XXXX XXXX. Incorrect I have disputed with this company and to find out that all this is on my report is beyond frightening. I also filed a identity theft report as well. I also saw over XXXX phone numbers all of which are not mine and these numbers are : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Not to mention the amount of fraudulent collection accounts, hard inquiries, and soft inquires. The collection accounts are as follows : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can also see I haven't checked my report in XXXX and to find this I wonder what else is illegally being reported on my credit reports from the other agencies.