23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Starting on 4 / 1/ 2019 and every month since. I have notice that my MR. COOPER. Mortgage Billing Statement is higher than my normal payment. My statement says that my " Regular Monthly payment '' should be {$870.00} but the bill continues to be sent as {$920.00}. 32.  A difference of {$49.00} Which is the amount of my home warrarnty. After calling them every month they continue to tell me that my warranty was misapplied and they will fix it. Currently they still have not corrected this billing error. My current bill say XXXX. I HAVE ALWAY SENT A PAYMENT OF {$870.00}. That is more than the requested payment of {$870.00}. So there is NO shortage or missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called up the credit reporting company. 
I had ask them to investigate the amounts shown. 
They said it was updated but the balance is the same. 
You can see that 15 Payments were made but not deducted from the balance. 
XXXX was my Payments at that time. 
I am on full XXXX XXXX due to a XXXX  XXXX XXXX  that was done twice. 
Please help..
Product: Credit reporting or other personal consumer reports

I am not liable for this debt amount reflecting on my credit reports with RENTDEBT AUTOMATED C.I do not have a contract with RENTDEBT AUTOMATED. they did not provide me with the original contract as l requested with my wet signature and ID verification.
Product: Debt collection

XXXX  is improperly reporting an account in collection as follows : Creditor : Financial Asset Management Date Opened : XX/XX/2019 Amount Due : {$5900.00} No account was opened with them or their " Original Creditor : XXXX XXXX '' in or around XX/XX/XXXX. I have contacted XX/XX/XXXX and filed a dispute 2 or 3 times to date with no success. I have contacted " Financial Asset Management '' as well to make them aware of their error only to be berated and yelled at. The original account refers to a Student Loan with a date of first delinquency that was longer than 7 years ago.
Product: Credit reporting

Hello, A subscriber to Transunion, XXXX or XXXX, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX v. XXXX XXXX. 

I ask that the inaccurate information be removed as their subscriber has failed to respond. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed with all 3 credit bureaus ( XXXX, XXXX  and experian ) and all 3 bureaus continue to report inaccurate information. i have sent them letters to verify these accounts and have asked them to either prove that they indeed belong to me by providing me with a binding agreement documentation that bears my signature or accounts that show i've been late for payments. i'm not here to play games as these negative items impact my credit score and i believe that they do not want to delete because they will lose monitory income if they delete the accounts.
Product: Mortgage

I have a VA loan through LoanDepot. My taxes and insurance are included in my monthly payments and put into an escrow account. My insurance is through XXXX XXXX and has been for over 20 years. For some reason LoanDepot changed my mailing address to my property address, which does not have mail delivery. XXXX XXXX billed LoanDepot when my insurance was due. Loan Depot did not pay. Multiple notices were sent to LoanDepot as well as phone contact by XXXX to LoanDepot. Still the insurance was not paid. My insurance was cancelled on XX/XX/XXXX. In XX/XX/XXXX  LoanDepot placed forced insurance on my loan but did not contact me due the the address change. LoanDepot states their forced insurance policy is a little over {$980.00} for XX/XX/XXXX to XX/XX/XXXX. LoanDepot states the forced policy is {$76.00} per month ( {$920.00} for a year ) compared to {$33.00} per month for my policy with XXXX. My policy with XXXX was a little over {$400.00}. My escrow account by now should have 20 months ( {$33.00} per month ) of insurance payments for a total of {$670.00}. I paid for a year 's policy through XXXX effective XX/XX/XXXX - not to be taken out of escrow but paid in full. Both the policy and paid receipt were sent to LoanDepot, which they admit they have received. A supervisor named XXXX told me after an escrow analysis was completed, I would receive credit for seven ( 7 ) months of the forced coverage and be sent a refund. Today, I spoke to a supervisor named XXXX. He insisted I still owe money for the forced coverage. I had to pay an additional {$130.00} on top of my usual mortgage payment. XXXX also points out that I must provide proof of insurance for the period from XX/XX/XXXX to XX/XX/XXXX. This was not an issue prior to today 's conversation. As stated above the forced coverage was from XX/XX/XXXX to XX/XX/XXXX, it did not cover from XX/XX/XXXX forward. Yet, now Loan Depot is expecting me to pay for forced coverage for months prior to them placing the coverage.
Product: Credit reporting

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Yesterday I summited a complaint, complaint number XXXX. Today I received a notification that the account was updated again, solely with the information I provided yesterday from information on my XXXX report. Experian has failed again to adequately assure that the information being reported is 100 % accurate. They solely took the information that was showing on the XXXX document that I submitted in the complaint number above and utilized that information to update this inaccurate account on my report. When spoken to a prior representative I was told if XXXX XXXX is reporting this to us we must put it on your file. I have to contact XXXX and tell them to stop reporting it. According to FCRA is does not matter what is being reported. The information has to be verified as accurate. Experian is not doing so. They are not doing their due diligent of protecting the consumer. I stated does this information have to be verified, he stated it was, but yesterdays complaint shows that Experian did not do their due diligent in assuring that information was correct. 

They just did it again today on the attached documents. They updated my file with information that was provided from my XXXX report without verifying if that information is correct. Their was no verification process done. They are purposely reporting inaccurate account on my credit report damaging my credit history because they are refusing to do the job at hand. The update they made in just one day was not verified to be 100 % accurate. They are simply updating information on my report solely based on the information from another credit bureau, that has removed this account today as well due to inaccurate reporting. 

Experian was reporting payments as shown on attachment and was updated today without verification of accuracy solely based on what was reported by XXXX on the attachment I submitted yesterday on the above complaint, but no payment history was every reported to XXXX for this account. How was this information verified by experian? causing my score to drop. They performed no verification process assuring accuracy. The information was not verified that XXXX was providing the correct information. 

The refusal of this credit bureau to remove this inaccurate account is against the FCRA, if any information on a consumers report is deemed inaccurate after the bureaus has deemed it accurate is a breach of those regulations and must be removed. Experian is refusing to do so after they have reported inaccurate information twice.
Product: Checking or savings account

When I was XXXX years old in high school my mom and I visit a Well Fargo bank in XXXX SC. I opened a teen account as I had a job as a XXXX XXXX at XXXX. I moved to a new town and no longer had the job so I was no longer getting direct deposit. As my mom and I set up the account it was a teen account so there fore there was no need for over draft protection. As my mom said if the money is not there you can not spend it. So I had my gaming device monthly fee coming from the account of about {$10.00}. Some how this was allowed to go through even though there was no funds there. I notice the account was in a negative and informed my mom. She said that should never happen as I am not set up for that. I went back as I am a XXXX XXXX and was told I could not open my account and that I should call the number they gave me. They were not able to locate my information and I have been denied opening an account when I do not owe anything. Please assist me in the matter. 

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

I looked at my report and see an address to where I never resided. 

A SSN which is not mine and a cellular phone which also is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  XXXX From XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This company tried to collect debt under my name and my SSN, I have sent several dispute letters to this company and no action has been taken to investigate this matter. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Failure to conduct a reinvestigation ; request for damages under the FCRA
Product: Payday loan, title loan, or personal loan

Loan was made on XXXX XXXX, 2017, but lender did not disclose that loan was a 30-day loan. Now when payments are made, they claim that payment is application for new loan. All payments were applied to interest only, which high interest was not disclosed to borrowers at the time of loan. Documentation was made on lender tablet and no time was given for borrower to read documents. Tablet was handed over with indication of where to sign. Same action was taken upon payment, tablet handed to borrower and signature required, indicating it was showing borrower payment. Later disclosed by lender that subsequent signatures were new loans. Only family vehicle was taken by lenders agents during the night with no attention to physical infirmary of borrowers, which had been disclosed to lender. Borrowers are 50+ aged XXXX persons who tried on numerous occasions to refinance loan at lower interest in order to pay on loan principal, but were denied assistance. All requests have been met with demand to visit store front, even though lender was notified borrower was hospitalized and has been for sometime. Co-borrower is needed at hospital and could not leave during lender business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been paid to a XXXX  balance and I have informed the credit bureaus of this with proof. They have it listed as a charge off and not a paid/charge off with a XXXX  balance. They will not allow me to dispute this matter again and also would not produce reason for not putting this as a XXXX  balance and paid
Product: Debt collection

I have sent multiple letters to this company Diversified Consultants in order to verify a debt they alleged I owe in the amount of XXXX. I have yet to get any correspondence from them in over 30 days. This is affecting my credit and giving me financial distress. They have not verified the debt or validated it and by law if no correspondence to my request in over 30 days this alleged debt has to be deleted from my credit profile.
Product: Consumer Loan

In XXXX XXXX, I purchased a 2012 Honda Civic from XXXX XXXX, XXXX XXXX, Virginia. The purchase price was approximately {$10000.00}. The loan was 60 months at 7-8 % interest. My car payments, according to the dealership, were supposed to be $ XXXX/month. In XXXX XXXX, XXXX XXXX attempted to take approximately {$450.00} from my XXXX XXXX XXXX XXXX without my permission. I contacted the dealership, and they told me the car payment was in fact {$470.00} per month. I told them I did n't want to do business with them, as that was not the agreed upon price. They took the car back ( travelled to North Carolina and got it ), and told me I was free and clear. In XXXX XXXX, I received a notice of an involuntary allotment from my command by Security National Automotive Acceptance Corp. This was the first time I learned of any legal action against me, as all paperwork for somehow sent to my home of record, despite the dealership and finance company having my address in North Carolina. The judgment against me was for {$10000.00} at an interest rate of 20.15 %. SNAAC 's attorney, XXXX XXXX, told me that they should have mailed me at my NC address or through my XXXX. The judicial decree ordered me to pay the full amount, plus attorneys fees for SNAAC. Further, I have been receiving notices from SNAAC that I have been applying for loans, and those loans are being rejected. However, I have not applied for any loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several soft inquries on my credit report that I didnt make and lenders are getting copies of my credit report and thinking that I am the one making those inquiries and this makes me look in a bad way to lenders. 
Delete all soft inquiries from my credit report as I didnt make them
Product: Credit reporting, credit repair services, or other personal consumer reports

chexsystem continues to report a fraud account from XXXX XXXX # XXXX with prev fraud balance {$870.00} and {$330.00} when this fraud was reported to creditor XXXX XXXX and they agreed it did not belong to me do to there neglect on having no video or proof of debit withdraw transaction for the amount listed.
Product: Mortgage

My complaint is about Wells Fargo Bank ( WFB ). I am the sole heir of my father 's home. My attorney already transferred the deed into my name, per the terms of the trust. WF has received this information and has confirmed that they have it. I have been trying to get WFB to put my name on the mortgage and remove my mom and dad, since they are both deceased. I spoke to XXXX at WFB today ( XX/XX/XXXX ) and they refuse to do so and indicate that I must meet their assumption or refinance qualifications. I have been paying this mortgage for the past eight months and my understanding is that I do not need to " qualify '' if I am the child of the deceased and will be living in the home. I mentioned the law does not require an Ability to Pay provision in this case. WFB said that it used to be that way, but that Dodd Frank of 2010 changed and I would have to qualify as if taking on a new mortgage or refinance. I found 12 CRF Part 1026 RIN 3170-ZA00 dated XX/XX/XXXX that addresses this issue in detail. I found another article that confirms this as well. Both are attached. As far as I can tell, WFB staff are incorrect. I feel that they are deliberately violating the rules to try and get me into a new loan, complete with a bunch of new fees. This is after months of run around from them.The only reason I would take on the existing WFB mortgage is for ease and to not have a hard pull on my credit report. I would have no problem qualifying for a mortgage or refinance on my own, but I would seek much better terms than this bank offers. If WFB refuses to work with me, I will simply take my business elsewhere and get a new mortgage. However, what about all of the people who may not have this option? It isn't right that they are not afforded their options because WFB doesn't understand the rules.
Product: Credit reporting or other personal consumer reports

Applied for a car loan all in 2 days ... .that many hard hits SHOULD NOT BE ON CREDIT REPORT PLEASE REMOVE!!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I wrote someone via XXXX about a iphone unlock issue and they stated they will do it for {$100.00} I confirm several times in message are you sure {$100.00} will fix the whole issue they advice me yes it will. On XX/XX/2021 he send me his e-mail and stated send the payment via paypal so I went ahead and did that. He message me saying everything is good and is working on it. 4 hours after receiving my payment he said he can not do it because he need {$200.00} more the main price was {$100.00} so why all the sudden after you receive my payment now you telling me you need more I have multiple screenshots of our conversations where {$100.00} was the price THIS IS FRAUD HE JUST WANTED MY MONEY AND MORE MONEY THIS WAS MADE ON PAYPAY Transaction ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

about 2017 I lost my wallet so I canceled and I really order a new license in the process. I called the credit and I put a freight in there right now. There is items that are down XXXX. I am tired of telling them over and over that XXXX XXXX and XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and XXXX address in XXXX where fraud I have only lived in XXXX my first address is XXXX XXXX XXXX in XXXX my second address in XXXX XXXX I am tired of telling them that these items are fraud on top of that. Theyre injuries that I will never put in. I reported it and they cant do nothing about it. This is ridiculous. Ive had a I have only lived in XXXX my first address is XXXX XXXX XXXX in XXXX my second address in XXXX XXXX I am tired of telling them that these items are fraud on top of that. Their injuries that I will never put in. I reported it and they cant do nothing about it. This is ridiculous. Ive had a XXXX XXXX since 2017 why they still allowing people to touch my stuff.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX ACCEPTANCE NOW XX/XX/XXXX XXXX REGIONAL ACCEPTANCE XX/XX/XXXX XXXX COMMUNITY CREDIT XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX FINANCIAL XXXX RESOLUTION XX/XX/XXXX XXXX ASSOCIATES XX/XX/XXXX XXXX XXXX ASSOCIATES XX/XX/XXXX XXXX GOLDEN XXXX XX/XX/XXXX XXXX RECOVERY CAPITAL XXXX XX/XX/XXXX $ XXXX RECOVERY COMENITY BANK XXXX ENERGY XX/XX/XXXX XXXX ENERGY PRIMARY XX/XX/XXXX PUBLIC RECORD FRAUDULENT ACTIVITY BKTCY CTS XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023, I received an email from XXXXXXXX XXXX thanking me for requesting a new credit card which I never received. 
XXXXXXXX XXXX called to confirm the application which I declined, reported as fraudulent. They closed the application. 
On XX/XX/XXXX at XXXX I received an email stating that I opened an account with Regions Bank. They are in the process of closing the account. 
I have frozen my Credit with XXXX and XXXX XXXX XXXX servers were down, so I was unable to freeze my credit with them.
Product: Payday loan, title loan, or personal loan

My husband and I have a home equity line of credit ( HELOC ) with BBT/Truist , valued at {$100000.00}. Prior to last XXXX, we had a balance owed of approx {$16000.00}. In XXXX, we used approx {$5500.00} more for home expenses, then visited to the bank branch to request a " freeze '' on the interest rate. This would total approx {$21000.00} balanced owed for both loans. 

The branch manager froze the interest rate of the {$5500.00} amount, and kept the original {$5500.00} on our account -- thereby creating a third withdrawal with a variable interest rate. Our total subsequently reflected over {$26000.00} balance owed. 

I have visited the branch 5 times between XXXX XXXX XXXX ; I left messages with the front desk agent ( XXXX XXXX XXXX XXXX to have the branch manager contact me. No one has returned my call. I have contacted the customer service line ( ph XXXX ) many times with little to no response. Meanwhile, since we did not withdraw these funds, we have not been paying towards erroneous loan balance, and we are in turn being assessed late fees and reports to the credit agencies. 

In XXXX, I was able to open a ticket ( # XXXX ). No information was given about how to contact this department correctly. I only repeated calling the main customer service line. While paying the XXXX mortgage, I noticed a credit of {$5400.00} was applied to the original fixed loan but it still leaves the erroneous variable loan open. 

Between Friday, XXXX XXXX- XXXX. XXXX XXXX, I have called Truist 6 times -- and have been disconnected while on hold with their agent. Apparently, no one is able or willing to assist on their end. Hence I am left with no choice but to file this formal complaint.
Product: Credit reporting

Went to XXXX in XXXX, NC and wrote a check for {$57.00} The check was improperly denied. I received a call number slip with Telecheck as the point of contact. The denial code I received was Reason XXXX XXXX XXXX. I spent XXXX minutes on hold and I was abruptly dropped as soon as my call was transferred to a live person. I demand a copy of my Telecheck credit report. Also, if Telechecks fails to clear my file and resume authorization of check writing, I will have no choice but instruct my Chapter XXXX Bankruptcy Attorney, XXXX XXXX of XXXX in XXXX, NC, to file a Federal against Telechecks. 

Telecheck should know that their competitor, XXXX, engaged in similar practices and had a Federal lawsuit brought against them. XXXX lost the lawsuit had to pay XXXX in fines and punitive damages to customers. If need be, I will bring a similar lawsuit against them and if need be, find others to pursue a multi-party class-action against Telecheck.