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

XX/XX/year> I called XXXX XXXX about my XXXX XXXX XXXX  business account to make a payment arrangement the manager approved my payment arrangement so after the manager approved it I had to call back because the company I work for was sending my check late so the representative that I spoke with in XXXX after talking to the manager I explained to him the manager had approved the payment arrangement but I was calling back because my check wouldn't be in by the date the payment arrangement was made so I asked him if it was okay to send it in the next week he said let me take a look and see he came back to the phone and said yes it's okay to pay the next week. Remind you the payment was submitted in the same month and was not 30 days past due and XXXX  XXXX is making false late payment to my credit report and I have never been late since I have had a credit card with the company but to make a false report to the credit bureaus is wrong because it's making it seems like I can't pay my bill on time.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX my Wells Fargo Debit Card was fraudulently used with XXXX 's, XXXX Grocery, and XXXX. I received {$93.00} in charges against my Checking Account from Florida. XXXX 's Charge was for {$61.00} and XXXX was for {$31.00}. The XXXX charge was declined by my bank for suspected fraud. Wells Fargo has issued me a new debit card and has provided me a claim number while they investigate.
Product: Mortgage

Most recently Home Point Financial sent my homeowners insurance payment late causing my policy to be cancelled. But this is just the most recent delinquent actions they have taken with the serving of this loan. 

The previous event occurred when Home Point Financial has incorrectly reported to XXXX late on my mortgage payment. The events that are date stamped below can be proven by canceled checks and bank statements. 

NO PAYMENT WAS EVER 30 DAYS LATE. The only acceptable resolution is a correction to my credit report and a refund of every late fee ever charged to me. 

I always pay my mortgage about 15 days ahead of time. 


The problem really begins and stems from the incorrect processing of payment on XX/XX/XXXX. 

XX/XX/XXXX, XXXX I made a payment intended to be my XXXX payment. Your processing center incorrectly applied this payment to principle. Which has caused all other " early '' payments to appear late. 

XX/XX/XXXX, XXXX My bank sent out a payment that was the amount of the loan prior to the escrow adjustment XXXX. 

XX/XX/2022 -After realizing the bank has done this short pay I immediately send out a check for the difference of XXXX. Please see attached documentation ( Check # XXXX ). This check is clearly received and deposited by Home point. 

XX/XX/XXXX, XXXX Home Point Financial reports to XXXX that I am 30 days late. My almost perfect credit score of XXXX drops over 60 points to the low XXXX. 

XX/XX/XXXX, XXXX You assess a late charge XX/XX/XXXX, XXXX I make a payment of XXXX XX/XX/XXXX, XXXX You XXXX another late charge of XXXX XX/XX/XXXX, XXXX I make the 3rd payment of XXXX Home Point misapplied my payment on XX/XX/XXXX to the principal causing this entire situation. I have now paid late fees ( when I wasn't late ). You have caused my credit to drop from " excellent '' to " good. '' And I have now made my XXXX mortgage payment 2-3 times? 


Please see all the supporting documentation including canceled checks and bank statements. I have never in my life been late on a mortgage payment. You have created a terrible mess by misapplying the payment on XX/XX/XXXX to principle. I need this situation fixed immediately. I want every late fee ever charged to be refunded and most of all I WANT MY CREDIT REPORT FIXED!
Product: Debt collection

In late of XXXX, I received the Court Order regarding to the debt of {$1100.00} that I did not pay. 
I went to court and explained to the Judge that I have never open the account with that company and I have never lived in the address listed on the Credit Card Statement. 
I want to dispute the debt amount because I did not owe that amount. 

The credit card company sent me the package asked me to file complain with FTC.GOV and send the evidence of this complain, they will reinvestigate their records before they can dispute that amount.
Product: Debt collection

The Debt collector has not provided me proper debt validation for the alleged debt. Please delete from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. 
As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Bank account or service

I planned a trip with my XXXX to XXXX. I have had past issues with ATM machines within casinos, and unfortunately, I did n't have any cash for the trip. I decided to use on of the ATMs to take out cash. And I was alerted to proceed to the teller with my receipt in hand. I made a total of XXXX withdrawals. When I checked my statement on my way back to California, it seemed that I was double charged for each attempt of cash withdrawal. My heart sunk because the total was XXXX. I was terrified that this much money was even capable of being withdrawn in ONE day. Is n't there a limit of withdrawals? Or of the amount. I was petrified. I called BOFA who was kind enough to reverse the charges while I held on to my receipts just in case they were to be needed. I received a message from BOFA stating that the claim was denied and that all charges would be reversed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is missing information on my credit report and information needs to be modified or deleted from my credit profile. I'm also requesting an updated copy of my Equifax credit report with results to reinvestigation.
Product: Debt collection

I received a bill from the doctors that I didn't agree with the amount because it seemed extremely high and like it might not have been my bill and requested a detailed bill from the doctors office. The hospital never complied after 2 request. On XX/XX/2019, I received a collection bill from Health Care Receivables Group and immediately requested a debt validation on XX/XX/2019 of the debt because I still believed there was an error. Healthcare  Receivables Group never validated the debt within 30 days, even though I submitted my request within days of receiving the initial notification. They continued after this moment to call me numerous times a day and leaving voicemails regarding this debt. on XX/XX/2019, I finally answered and told them to stop calling me and that I had asked for validation months ago and never received it and they immediately slapped this collection account on my credit report at that point on XX/XX/2019. I am currently under contract for a house an their unfair collection practices have cause me tremendous XXXX and XXXX, not to mention could cause me to loose my earnest deposit and due diligence.
Product: Mortgage

Please review below the complaint and the resolution in below box. The loan modification plan to bring us up to date seems unfair and hidden and higher cost, fees for this bank, which was not needed, The loan was never behind in XXXX because I pay ontime and met my payments for the 4 month plan. They also have fees that they can not explain how it went from XXXX or XXXX XXXX behind to XXXX behind on the loan as they wrote up. Please see complaint below
Product: Credit reporting, credit repair services, or other personal consumer reports

Early last year, I applied for the XXXX XXXX XXXX XXXX program and in XX/XX/XXXX, my student loans were transferred from EdFinancial to XXXX. 

On XXXX XXXX, XXXX while checking my credit report, I noticed that my student loan balance was doubled because it was reporting twice. Upon further inspection, I realized that EdFinancial is still reporting my loan account as open with the full balance. 

I contacted EdFinancial that same day via chat to have the discrepancy resolved. I was told that I needed to dispute the information with the credit bureaus, at which point EdFinancial would confirm the account is closed with XXXX balance and it would be updated correctly. 

I submitted disputes with all three credit bureaus on XXXX XXXX, XXXX. On XXXX XXXX, I was notified by XXXX that EdFinancial confirmed that the account was still open and the full balance was correct, so no changes were made to my credit report.

EdFinancial continues to report erroneous information to the credit bureaus. My account is paid in full with them and closed ( which is reflected if I log into my account ) and yet they continue to report something different to the credit bureaus.
Product: Mortgage

I called PNC to see if they can help with a 90 day mortgage forbearance and they would not help. They said they do not offer the option to extend those three payment to the end of your loan. They expect a full three month payment at the end of the forbearance period. I said that does not help anyone. They said it is all they can do under the current Covid-19 pandemic. Please help.
Product: Credit card or prepaid card

Previously held a secured card lost wallet and card account enrolled in auto pay unable to stop payments as they restricted online access and prevented me from correcting this resulted in returned payment and they closed my account and whats worse is they blacklisted me for life it appears I have spoken with multiple reps and supervisors that stated I was blacklisted and would likely never be eligible for a discover card in my life which was crazy because they have seen things people did intentionally or people not pay at all and not even have this happen. 

I was advised they submitted a request to reopen the account immediately and remove any such hold on my account as it should not be present neither happened and they blacklisted me for something that had nothing to do with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a background check done and while looking over the report from Experian it shows a prior residence address as XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have never lived at that address and have never used that address. It shows a date as XX/XX/1996
Product: Money transfer, virtual currency, or money service

I filed a complaint directly with PayPal for an unauthorized charge of {$20.00} made to my bank account. PayPal resolution center replied that it was an authorized transaction and that if I wanted to see the documentation supporting this I had to write them a letter by mail. 

1.- They don't have legal documentation regarding this authorization, because it was not and because on the opposite I have documentation sent directly from the merchant apologizing for applying that service to my account, and that I should not have. Amongst emails of cancelation of that invoice.

2.- This is clearly a delaying tactic used by them as a way to create a bureaucratic hassle to impede people from pursuing resolutions on their cases as it is time costly, inconvenient and slow as written mail.

3.- Additionally of authorizing and insisting on charging me for this unauthorized charge, they forced the charge my bank account directly instead of the sole authorized credit card for online purchases. They use the information provided from me for different objectives and use this information to perform illegal and unauthorized deductions to my checkings account.

I never authorized PayPal to perform charges on my bank account. They were authorized only to use my credit card, but they used the information provided only to receive money. 

The transaction information is : Dispute Case ID : XXXX-XXXX-XXXX Transaction Amount : {$20.00} USD Transaction date : XX/XX/2019 2019
Product: Credit reporting

I have spoken to and reviewed my credit report and the reasons for a denial from XXXX XXXX ( letter attached ) are listed. 
Either the information is being reported incorrectly or XXXX XXXX is not reviewing the correct file. 
I applied for a XXXX XXXX credit card through XXXX XXXX and was declined. 
I have spoken to them on 3 different occasions only to be told that this is what the credit bureau is reporting to us. 
I have a current account with XXXX XXXX that I have has since 2014 which has been give XXXX credit line increases over the years and my payments have Always been on time. 
I have no past due accounts and approx XXXX revolving current credit accounts all CURRENT.
Product: Mortgage

1.5 years into my home loan modification, never late on a payment, Nationstar Mortgage is threatening to reverse the modification and take me to court if I do not sign new documents. They said they had to modify the documents as they made an error and ca n't file it XXXX
Product: Debt collection

Started getting repeat emails and phone calls from LVNV funding. Went online to check credit report and they placed two accounts on the report that had balances that I did not recognize.

Sent email requesting validation of the accounts : one total is {$2000.00} and the other is {$1600.00}. Requested purchase agreement, original contract, and signature page as I have NO CLUE who this company is. The person whom constantly is contacting me is XXXX XXXX doesn't have last name on email title ). 
The account also is posting as past due on the credit report. One states XXXXXXXX XXXX XXXX and other XXXXXXXX XXXX XXXX Dates opened don't match nor do the balance updates making any sense. 
I requested these be removed from my credit report if they can't provide me with the validation documents requested.
Product: Prepaid card

The limit was not that high and they charge me a lot of fees
Product: Credit reporting

Transunion is listing XXXX paid parking tickets on my credit report that should be removed per the settlement with Attorney General XXXX XXXX. I 've attached a copy of the relevant section of my credit report.
Product: Credit card

At the beginning of this year I pulled my credit report and I saw a closed credit account from Barclays Bank. But in my knowledge I never applied for any credit card from this bank. I never received a collection call. When I called their customer service they have advised me to make a payment of XXXX dollar for the settlement of the account as I told them this is not my account and I have never received any statements. Then the representative took my email addres, my home address and my phone number and processed a payment through my debit card. After that the representatives emailed me a bunch of card statements and a notice. But still to date that account shows on my credit report and is adversely affecting my credit score. I tried to talk to their collection agency several times but they never responded and advised me we are looking into the matter and months passed by but they never responded or gave me any advise what they are doing with this account which was not authorized by me.
Product: Debt collection

I had a car loan on a XXXX XXXX in XXXX from Capital One. I believe in late XXXX or early XXXX I had to file Chapter XXXX due to having an acute XXXX. The amount owed on the car was approximately XXXX, but due to filing Chapter XXXX, the amount was dropped to the value of the XXXX XXXX to XXXX. XXXX XXXX, XXXX, I got into XXXX which caused me to also lose my job. I could no longer afford making my bankruptcy payments, and my car was totaled. I ended up paying my car off as an agreement between my attorney and Capital One in the amount of the approximate XXXX, however Capital One is now saying that I still owe the difference, of approximately XXXX. I am now on XXXX because of XXXX the accident caused. Capitol One is not honoring the agreement they made with my attorney and it shows as a negative on my credit report each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I attempted to make a payment on my account. When I called the system kept kicking me out and I wasnt able to make my payment. I also tried to make the payment online and I wasnt able to. I have let Ocwen know and explained what happened to them and asked them to remove the late payment considering that it was their system that messed up and wouldnt allow me to make my payment. I was able to make my first mortgage payment but I was not able to make my payment on my second account. All I want is for them to remove the one late payment on my account that was caused when I wasnt able to make a payment through the phone/internet payment system.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be REMOVED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On my credit report i have many accounts that were closed, but these accounts are very old from the early XXXX 's and its been far pas XXXX years where they should have been deleted. I would like to have them deleted cause they are having a negative impact on my credit report.
Product: Student loan

I got an email from a XXXX XXXX, agent id number : XXXX saying they tried to contact me at home and did not hear back and I may be eligible for the recent stimulus forgiveness and relief legislation ( Cares Act ), and my application need to be completed by XX/XX/XXXX of XXXX, as that is when the Cares act is set to end. I was given a phone number to call XXXX and a personal validation code # XXXX. I called the number and spoke with a XXXX XXXX who explained the student loan forgiveness process to me and he then asked me to verify my birthday which I gave to him. He then told me that a code was going to be sent to my phone and to read it back to him for security purposes. It was a code from the studentaid.gov website. The text was from XXXX. I gave XXXX the code. He then sent me an email of all my federal loans, including my SSN number, date of birth, ect. He said that I qualified for Student Loan Forgiveness. He spoke to me thoroughly about this program they offered. He was very convincing. He asked me to verify my driver 's license number. I did give it to him. He then said that I would have to pay 5 payments for 5 dates of {$190.00} and after 5 months is over Ill them pay $ XXXX 120 months then after that my remaining balance would be forgiven. He requested my debit card information to get me started. He said he could not send anything by mail. He then sent me a document in my email that was the " legal document. '' This document contained my social security number! However I had to sign it while on the phone with him, he then proceeded to ask for method of payment, I gave him my expired credit card and then told him I will get back to him later.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against CKS Prime for multiple violations of consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Recently, I looked at my credit report and see CKS Prime reporting an alleged debt. However, their communication failed to comply with several critical provisions outlined in both the FDCPA and the FCRA, which I believe constitutes serious violations of consumer rights. The specific violations are as follows : Violation of 1 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : CKS Prime failed to provide me with the required notice informing me of my right to dispute the debt within 30 days of receiving their initial communication. This omission directly violates both the FDCPA and the FCRA.

Violation of 12 CFR 1006.34 ( d ) : Despite my request for verification of the debt in accordance with my rights under the FDCPA, CKS Prime has failed to provide adequate verification. This refusal to verify the debt further compounds their violation of consumer rights.

These violations have not only caused me undue stress and confusion but also may have negatively impacted my credit score and financial well-being. As a consumer, I am entitled to fair treatment and accurate information under both the FDCPA and the FCRA.

In light of these violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against CKS Prime. Additionally, I ask for your assistance in having the negative account associated with CKS Prime removed from my credit report, as it was reported in violation of consumer protection laws.
Product: Credit reporting

EXPERIAN HAS REFUSED TO UPDATE MY CREDIT REPORT AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. EXEPERIAN ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.
Product: Credit reporting or other personal consumer reports

I noticed some inaccurate information on my credit report, so I contacted Experian and informed them of the inaccurate information being furnished and that they conduct a thorough investigation into the matter. Experian has failed to properly conduct this investigation. I submitted my dispute since the XXXX XXXX, I've tried calling requesting that they conduct an investigation on the matter, they willfully and negligently ignored my request. I logged into my Experian account, and they started the dispute process which I submitted since the XXXX XXXX XXXX, the dispute didn't get started on until the XXXX of XX/XX/2023. Then the next day XX/XX/2023, Experian updated the information on my credit report, not changing anything at all. I have doubts that they abided the laws and conducted a proper investigation on my behalf. They failed to properly investigate the information ; they violated the FCRA. Despite all this, there are XXXX more accounts that were placed to be disputed, EXPERIAN is not complying with their own policies in a timely manner. They have exceeded the XXXX  days to properly investigate my dispute, which is why I believe they did not conduct a proper investigation on my behalf and that they updated the innacurate information on my credit report in XXXX hours. Why is my dispute letter unaddressed within XXXX  days? Why is EXPERIAN not complying with their own policies? 

Also, there are numerous addresses being listed on my credit report that I am not associated with. All addresses listed on my credit report besides the address displayed on my ID which I will provide are inaccurate and I request that this inaccurate be DELETED from my credit profile.