23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Can not link pnc to XXXX XXXX
Product: Debt collection

XXXX XXXX called me in XX/XX/XXXXwe made an agreement, funds were successfully made to them on the approved dates and they STILL added a derogatory mark to my credit report. Shady business practice damaging peoples credit even after payments have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had major XXXX which resulted in XXXX XXXX from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXXXXXX Balance : {$600.00}, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023 XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

I was shopping XXXX when the cashier asked me if I wanted a " rewards card '' I asked her if it was like a credit card and she said " No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for aXXXX XXXX credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted  Nissan  in writing about enacted information like placing unauthorized inquiry on my credit report. Also I have contacted the  XXXX  credit bureau about information that should have been removed to update my credit report
Product: Mortgage

I had a line of credit with XXXX for nine years for XXXX. I paid on time regularly for 9 years but instead of the loan amount going down, it went up yet I paid. 
Then they raised the rate to 9 percent which meant the monthly payments went up by more than XXXX dollars. I also had to pay for my regular mortgage.I begged XXXX to give me a loan mod but after many paperwork and months of correspondence, they sold the loan to a different company and now it is this horrible company called FCI which holds my loan. The original loan was for XXXX. I paid more than XXXX and now I still owe XXXX!!! which is unbelievable. I asked to pay a lump sum but they did not accept any offer. I still owe XXXX on my first mortgage which I have been paying without delay. This is my only asset in life and I don't want to lose it. I have contacted them but they are just dragging their feet. I do not owe them XXXX. Pure and simple. They are just thieves. They have also raised the interest to 10 percent!!! They send me their bills not once a month but three times at a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated the federal law under. 15 U.S. Code 1681s2 - by placing the following remarks on my Experian report these account must be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisherof information to credit agencies ) is a financial institution by definitionunder that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Account : XXXX ) I recently reviewed my credit report and noticed that my XXXX XXXX account is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law. 

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion incorrectly reports a 30-day late payment for XXXX and XX/XX/XXXX and XX/XX/XXXX. 
* Experian incorrectly reports a 30-day late payment for XX/XX/XXXX and XX/XX/XXXX. 
* Equifax inaccurately reports 30-day late payments for XXXX and XX/XX/XXXX and XX/XX/XXXX. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.
Product: Debt collection

I hade a XXXX  bill that Jefferson capital to over they settled for {$720.00} I paid it and it is still showing a new bill the debt has been resolved but still showing {$500.00} that is wrong and need to be removed thank you
Product: Mortgage

I applied for a mortgage and no one has responded to my requests to be assigned a loan officer. No one returns my calls or emails.
Product: Student loan

I worked with a debt consolidation company called Student Loan Help Center. They consolidated our loans for a fee of {$990.00}. 
We received a letter from Fedloans.gov stating the power of attorney was denied for this company to work with them to consolidate our loans The representative from fed loans told us that this company is fraudulent and they are not accepted requests from them. We are asking that our money be returned to us because they are not able to provide services for us. Also, the information they reported to the fed loans was incorrect. The # in our household was incorrect. 
The contact information : Student Loan Help Center : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance XXXX {$610.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX Balance : {$370.00} ; XXXX  XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX Balance : {$230.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I received a letter stating I had 30 days to dispute the debt. Before the 30 days was even up, they placed the debt on my credit report. I called to ask if the debt would be removed from my credit report if I paid it in full and they said no! I was unaware I even had this medical bill initially and it was sent to collections before I ever had a chance to pay it. A medical bill for {$99.00} lowered my credit score XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

I began social security and the loan company XXXX decided I could get a total and permanent discharge based on the time my condition is set to last. I really need my credit score to go up and reflect this information please feel free to contact XXXX to confirm this information all these apartments do credit checks and im homeless so I need my score raised I have paid back many loans and cleared many bank accounts so please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a complaint on XX/XX/XXXX ( # XXXX ) and a follow up on XX/XX/XXXX ( XXXX for TransUnion dealing with a bankruptcy that is on my credit report and they did an interim reply on XX/XX/XXXX. Nothing since. I gave all the paperwork to show where they keep saying they are getting it from is untrue. I have given every company that I know they are going to try to lie and say they used. They told you all that I can contact them on XX/XX/XXXX and they have ignored me. It has been over 2 months since I put this claim in and they still ignoring me. This is something that they are not investigating and still coming back as its mine. This needs to be taken off now. I have been waiting since XX/XX/XXXX which is over 6 months so this needs to be taken off immediately. This is really preventing me from getting a home because it is weighing my credit score down. The other bureaus don't have anything like this. I know that the bureaus have not been taking care of the customers that they are serving per the news.
Product: Debt collection

ABILITY RECOVERY SERVICE HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE AND I HAVE NO KNOWLEDGE OF.
Product: Credit card or prepaid card

Someone stolen my XXXX XXXX XXXX and using many charges on my card, I have report as lose and stolen and have them send me the replacement to another mailing address, because i have notice that i have been missing a lot of my mails in my address, I have place a hold mail in my address but i went to the post office today but they told me that someone already pick up my mails .today .I was very angry, i want to request for the protection of my idenity, please in the future any transaction please send me a notification to my cell phone number if i dont reply then just decline please. 

# XXXX attention : Phone # XXXX they have issued me a replacement card # XXXX but i just have used few card but they are put a hold on my account again and want me to upload some document to verify my new mailing address .and its goona take 21days i want them to unlock my relacement card that i just receieved because of all of these missing mails, alot of my account from other creduit issuer was lock too...
Product: Debt collection

On XX/XX/2023 I received a bill from Radius Global Solutions LLC, a collection company. In that letter it stated that if the amount of XXXX was paid ( a bill I had no knowledge of or had been previously contacted ) by XX/XX/2023 that no further action would be taken. My daughter immediately paid the bill, ( not having any idea what it was for ) It stated that if funds were received by XX/XX/2023 that no further action would be taken. On XX/XX/2023 letter was then written by XXXX XXXX  ( I never received that letter either ) that no further action would be taken. I then discover it had been reported to the credit bureaus XXXX and XXXX contrary to what the collection notice said.
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX I sold my vehicle and attempted to deposit {$1400.00} into my checkings account at the XXXX ATM in XXXX XXXX Ohio. An error occured with the ATM and a message pops up saying " Your cash was not taken in time. To protect your accounts. I've pulled your cash back in. Contact your financial institution. " ( Picture Attached ) The same day I contacted customer support to get a dispute opened, and was told they will be doing research. After weeks of waiting I was given a temporary credit which I had no clue it was temporary credit until the money was removed from my account. The next day after removal of the funds I recieved a letter explaining they couldnt find anything during the investigation and would be removing my funds XX/XX/year> although it was already XX/XX/year>. Keep in mind this was at a official Huntington Branch ATM with lots of cameras that can clearly picture me on the day and time i've provided, which would be evidence that I put money in the ATM and no transaction occured. Feeling hopeless I went to the same XXXX XXXX Huntington branch on XX/XX/year> to discuss the closing of the dispute and they ended up reopening the dispute. After speaking to XXXX of the bank tellers she said over her 4 years of working she has heard of multiple occurances of this exact situation. It is now XX/XX/year> and I have contacted the XXXX XXXX XXXX again to find 6 days later there is still no update. This has been an extreme inconvience causing me to borrow money, use credit cards for bills, paying student loans and stops me from being able to buy supplies for a XXXX printing side hustle.
Product: Credit reporting or other personal consumer reports

Shellpoint mortgage company has ruined our credit by reporting a 30 day late on our credit history, I contacted one of their representatives through email and requested for her to process the XXXX payment in XXXX and XXXX payment in XXXX, 1 day prior to the deadline, each month for both payments, the representative did not process the payments in a timely manner, I disputed the information but they did fix the issue, I am submitting proof of the email and hope this is issue gets resolved. 

Thank you,
Product: Mortgage

Hello to whom this may concern. My name is XXXX XXXX. My husband, XXXX XXXX & myself live in XXXX, NC and are terrified that we may lose our home to Ditech Servicing, LLC. 

We have been trying to get a modification for around 7 months now. I have been told numerous times not to send in a mortgage payment while we were attempting to get a modification even though we were in the financial position to do so. This has now caused us to get 7 months behind at this point. I have sent in paperwork over & over when requested even when what they were asking for we had already sent. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' One day when following up they again stated that they had not received my paperwork even though I had gone to XXXX different stores and received XXXX separate fax confirmation numbers. 1024.41 ( b ) Receipt of Loss Mitigation application - " A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' In the 7 months we have been attempting to get a modification we have had XXXX different account mgrs. Seemingly, we can never speak to the same person twice and our voice mails are rarely returned. 1024.40 Continuity of contact - " Servicers are required to maintain reasonable policies and procedures with respect to providing delinquent borrowers with access to personnel to assist them with loss mitigation options ''. Why were n't we assigned a single point of contact to assist us in saving our home? 

I received a phone call yesterday from a XXXX w/ Ditech XXXX He was curt, rude and frankly a complete smart a**. He said we had plenty of time to pay the arrearage and the foreclosure paperwork was in the mail and then hung up. Fair Debt Collection Practices Act FDCPA 806, Harassment or abuse 15 U.S.C. 1692d - Ditech has been very rude and somewhat threatening when communicating with me regarding my mortgage. I do n't understand why Ditech feels the need to talk down to me or treat me so poorly. They treat me like a deadbeat and have no sympathy towards our hardship. 

1024.39 Early intervention requirements for certain borrowers - I do n't feel that Ditech has ever provided me with a " Fair Review Process '' for a modification, as required under the Dodd-Frank Wall Street Reform & Consumer Protection Act. 

It appears, without a doubt, Ditech has violated numerous servicing laws set up to protect mortgagers under the Wall St. Reform & Consumer Protection Act. 

We can afford our payments now and only need Ditech to do the right thing by us and assist us in getting this back on track so we may continue to live in our home that we love and have lived in for 16 years. 

Please Help!!! 
XXXX & XXXX XXXX XXXX, NC
Product: Credit card or prepaid card

Hi, I also have the complaint ID XXXX for the same credit card. I am not sure what happened with my Chase credit card. As I said before, my credit card was charged the amount on XX/XX/XXXX by XXXX XXXX ( not pending ), from that time to now ( XX/XX/XXXX ), I never received the item I ordered on XX/XX/XXXX, although XXXX XXXX system appeared " delivery on XX/XX/XXXX ''. I contacted XXXX XXXX to cancel order and refund, but they refused. I have to contact Chase to dispute this charged on XX/XX/XXXX, I met the treatment from Chase like XXXX XXXX. Chase let me wait for XXXX week or more for their update. After a week, XX/XX/XXXX I contacted them to inquire the update, chase told me to call the no. on credit card to dispute. I complaint Chase customer service. Then somebody from chase called me and told me to wait 5-7 business day, so they should invest the case. Until now, Chase do not dispute this charge. That is not enough! Today, When I checked my credit journey through Chase online banking, the chase credit journey is market " powered by XXXX ''. I found my Chase credit card is " not available '' on credit journey report! My credit available is only from the other bank credit card! I never received any information about this from Chase. I have a good credit score, I never have " late payment '' history. I do not know what happened with my Chase credit card, why my credit card 's credit is " not available '' at credit journey.
Product: Checking or savings account

On Friday XX/XX/XXXX I made a withdrawal from my Bank Of America card. I went on holiday for the XXXX XXXX weekend and returned on Monday and couldnt find my wallet. I checked my bank account and noticed that my account was emptied by numerous transactions over the weekend and immediately called and reported it. This week Bank Of America has decided to deny my claim trying to tell me that its consistent with the transactions made on my account when that is not the case. I had multiple bills that were supposed to be withdrawn from the account but were getting returned because of these fraudulent transactions and Bank of America has no intention of trying to find a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern regarding fraudulent items on my credit report. I recently discovered several entries on my credit report that were not authorized or initiated by me, causing significant financial damage and negatively impacting my credit score. To elaborate, these fraudulent items include credit accounts that were not opened by me, as well as charges and loans that I did not initiate or receive. The total amount of these entries is substantial and is causing harm to my credit score. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. Despite my efforts to dispute these items with the credit reporting agencies and creditors involved, I have not received a satisfactory resolution. I have provided documentation and evidence of the fraudulent activity, but the items remain on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I reviewed a copy of my consumer report and I could not believe what I saw. There are 2 fraudulent accounts furnished on my report. I notified the FTC immediately because I am a victim of I identity theft. The data furnisher do not have any contracts bearing my wet ink signature. I requested an investigation into this matter because of the damage it is causing me. According to 15 USC 1681 Consumer reporting agencies are obligated to conduct a fair and reasonable investigation into the validity of these accounts. XXXX XXXX XXXX and XXXXXXXX XXXX XXXXt. I do not know how these people got my information but it is a violation of my rights to furnished inaccurate information about me to a consumer reporting agency. I have included an updated copy of my license as well as a copy of the FTC compliant. I am contacting you through the CFPB because I need all the help I can get fixing the things that these companies has falsely reported about me.