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

XXXX XXXX XXXX was paid a lease break fee in XX/XX/2021 and our contractural obligation was severed civilly. First property management has reported an ADDITIONAL account on my report showing as 120 days late with an accrued balance from XXXX 2021-current. Now there is collection on my account for this amount totaling in XXXX instances of the same inaccurate account information. See docket XXXX, there should be NO phone number on my report, and NO address '. 


The following inquires need to be removed from my report as I did not initiate a transaction with these companies and they have no permissible purpose to have run my credit. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lots XXXX All previous attempts to solve this issue with the credit bureaus directly has proven unsuccessful. FTC ID report filed
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion to XXXX that these inquires are reporting incorrectly Never gave permission to hit my credit.
Product: Credit reporting or other personal consumer reports

These late payments are not consistent with how I usually pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues accessing the site to receive my Trans Union and XXXX  Credit reports. I have been trying to get my report from the site and I keep getting kicked out.
Product: Money transfer, virtual currency, or money service

No actions were taken by the company besides to shut down my account after I filed a dispute via app chat. They took all my money that was remaining on the account. Due to them shutting down my account I am unable to gather the screenshots of all the disputed transactions and missing funds.
Product: Mortgage

XX/XX/XXXX we closed on your new home. The initial loan amount with SecurityNational Mortgage Company was {>= $1,000,000}. On XX/XX/XXXX I made a {$1000.00} principal payment. SNMC sent me a monthly statement that shows this payment. In XXXX my loan was transferred to a new servicer for {>= $1,000,000}. The new servicer ( XXXX XXXX XXXX ) claims they can not post new payments on the account because SNMC has not forwarded them the previous payment. SNMC is therefore preventing me to pay off my loan early.

I reached out to SNMC multiple times. They first told me all the payments were forwarded. I called again today XX/XX/XXXX and they mentioned a request started XX/XX/XXXX to their accounting department and advised me it takes accounting 3 weeks for those payments to be transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 


XXXX XXXX XXXX XXXX  Account number # XXXX XXXX XXXXXXXX  Account number # XXXX DEPT OF EDUCATIONXXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Dear BHG, This is not a complaint. I just wanted to update you with the attached document since other creditors have already sold my coerced debt to other debt collectors. So unfair and unjust. I have been bombarded with letters recently, which I had to dispute one by one. Please see the attached creditor letter from the FBI that I received today, Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred XXXX XXXX  for your understanding and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

I reached out to Barclays Bank Delaware via certified mail asking for XXXX XXXX XXXX and ordering them to cease & desist contact in regards to the alleged debt. The letters were marked as received on XX/XX/2022 yet they continue to harass me 1-3 times a day despite the C & D which still stands until further notice ( 15 USC 1692c ( C ) ). They responded to my Debt Validation letter but failed to provide all the requested documentation listed therein. In the midst of our correspondence Barclays Bank Delaware falsely reported late payment on my consumer report ( 15 USC 1666b and 15 USC 1692d ( 1 ) ) which has caused me tremendous hurt financially, mentally, and emotionally. 

I reside in California and have also became aware this business is not licensed -- per the NMLS -- to collect debts in the State of California as required. 

I recently sent them a response with proof of all the federal violations they have violated along with an invoice for payment. I am waiting to hear back from them.
Product: Debt collection

On XX/XX/XXXX I received a call from National Credit Adjusters claiming that I owe a debt to XXXX. This debt was discharged in my XXXX  XXXX case XXXX in XX/XX/XXXX. Case # XXXX. It is important to note that this case started off as a XXXX XXXX filed in XX/XX/XXXX, however this case was convert to a XXXX XXXX in XX/XX/XXXX. Any debts incurred before the date of conversion are treated as pre-petition debts and have been XXXX. That includes this debt. If you have questions, contact my attorney listed on my discharge form that is attached to this complaint.
Product: Credit card

I am a customer/consumer of the financial institution JP Morgan Chase Bank and its subsidiaries/parents/affiliates ( hereinafter Chase ). 

For the months of XX/XX/XXXX and XX/XX/XXXX, Chase reported a late payment to credit reporting agencies as seen in Attachments XXXX, XXXX, and XXXX. 

Attachment XXXX is correspondence from me to Chase which shows the amount was still in dispute as of XX/XX/XXXX, thus, no reporting should have taken place according to Title 15 U.S. Code 6801s-2 which states that furnishers of information shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Chase had reasonable cause to believe the information was inaccurate based on my billing error notice and evidence submitted. 

Attachment XXXX also shows that I exercised my right to opt out of credit reporting as provided by privacy laws. Title 15 U.S. Code 6801 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, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Chase failed to abide by my opt out instruction. Consequently, I have been both harmed and inconvenienced as proven by Attachments XXXX through XXXX. 

Furthermore, Title 15 U.S. Code 6802 states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. Chase never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by 15 U.S. Code 6802, 6803, and 12 CFR 1016.7.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I exercised this right in my XX/XX/XXXX correspondence/opt-out instruction. I amend the instruction to add that Chase shall not report any information to a credit reporting agency that can possibly be construed as a negative item in terms of consumer reporting, such as, but not limited to, balance ( s ), highest balance, credit usage, remarks/comments, late payments, etc. ; nor shall Chase share, sell, report, give, or otherwise transfer my nonpublic personal information to a non-affiliated collection agency. This instruction applies to all information past, present, or future.
Product: Credit reporting or other personal consumer reports

Request for Correction of Inaccurate Credit Report Information I am writing to bring to your attention certain inaccuracies in my credit report that need immediate rectification. The following details on my report are currently incorrect : Corrected - XXXX XXXX XXXX Corrected - XX/XX/ Corrected - XXXX XXXX XXXX XXXX, MI XXXX I kindly request that you promptly update my credit report with the accurate information provided above. Any other discrepancies in my report should also be thoroughly reviewed and corrected as necessary. 

Your swift attention to this matter is greatly appreciated, as it is vital for me to have an accurate credit report for various financial transactions and opportunities. Please inform me of the progress and the anticipated timeline for these corrections. I can be reached at [ Your Contact Information ] for any further clarifications or updates. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I experienced water damage to my home in XXXX of 2015 and my mortgage lender wants to charge me {$46.00} third party inspection fee ( charged to my mortgage loan ) each time an inspection is required. I take exception to this fee and do not feel that I have consented to it with any mortgage agreements I have signed. I understand the bank 's need to protect their interests by having the work inspected but feel that the bank should incur this as a cost of doing business and not burden me as a customer with the cost of it paid over the remaining life of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, ai hope this email finds you well. I am hoping you could help me. I have been very ill and could not pay back all my credit cards with large interest rates so I called my creditors around XX/XX/XXXX to find out if there were programs available. XXXX XXXXk assured me that my credit cards through them could be switched to a reduced interest amount that I would pay evenly over 5 years and then we would part ways. The individual offered to place my hot topic credit card also under this program so I thanked him. They supposedly placed me in the program and set up a schedule of payments starting XX/XX/XXXX for the amount of {$14.00}. The representative set the payments up for the XXXX of every month and when I questioned if it was OK that it was after the XXXX of every month due date he said yes because I was setting up all my XXXX XXXX XXXX XXXX. Around three months of these payments went through when my credit report said I was 90 days past due on the account. I called XXXX back and pointed out this mistake. They apologized and said the gentleman that took my call at XXXX ( in the assistance dpt ) didn't finish placing me in their assistance program and that he did it " wrong '' and that representative was going to fix it. The amount went to {$15.00} even a month. The false reporting kept happening. I contacted Experian 4 times to say XXXX are ruining my credit report falsely and that I never missed a payment. I showed them proof that I had been set up in a payment arraignment and showed proof I never missed a payment ; I showed letters from XXXX apologizing for the error, crediting the late fees back, and assuring me they would not report this to the credit reporting agencies. Experian finished their latest review of this complaint yesterday and no matter how much evidence I continie to give them they listen to XXXX and insist I am now 60 days past due. I go to XXXX XXXX account login page and it still insist I'm 60 days past due although I have never missed a payment. I have contacted XXXX six times and Experian five times. I even sent emails on my XXXX XXXX account asking XXXX to stop falsely reporting to the credit agencies and they assure me they would ... and they don't. It's been since XXXX that I have been dealing with this and I am unwell. I am at a lost how to make this company be honest.I have yet to miss a payment. I couldn't stop paying without a phone call even if I wanted to because they set up automatic payments. Payments I couldn't make on my own without a representative setting it up for me. Ty for your help.
Product: Mortgage

This complaint is against Planet Home Lending. We took a forbearance in XXXX for our mortgage. They accepted our forbearance but marked our credit reports as late throughout the entire time of the forbearance. I inquired about this and was told that we were not current in our mortgage payment in XX/XX/XXXX due to a returned check. We weren't current but they still took us for forbearance. I also was told that when we did the Loan Modification in XXXX of XXXX we had not brought the payment of {$1100.00} current so the late payments had to remain. 

My husbandXX/XX/XXXXduring the covid pandemic, and that was XX/XX/XXXX. I didn't realize we had a returned check until months later. I thought that since they accepted us for forbearance we were current and in good standing. 

We made the payment of {$1100.00} to make up for the XXXX late payment in XXXX of XXXX. Planet Home didn't acknowledge that we made that payment and indicated in a letter to me that we were behind in our payment of {$1100.00} at the time of the Loan Modification which isn't true. I have spoken with representatives at Planet Home Mortgage about them saying we didn't make up that payment when we did and was told it didn't matter. 

Planet Home Lending knowingly granted a forbearance to us when they knew we were not current on our mortgage it appears to me. 

It was several months of getting my husband back healthy after hisXX/XX/XXXXand XX/XX/XXXXXXXX. I can document all of this if needed. 

So in short, Planet Home Lending granted forbearance knowing we were late in XXXX with a returned check. When I inquired about the late on the credit reports I was told we had not made up the late for XX/XX/XXXX of {$1100.00} BEFORE the loan modification of XX/XX/XXXX. That is not correct. That late was made up in XX/XX/XXXX. 



Thank you.
Product: Checking or savings account

Step XXXX : What is this complaint about? 
Money ( XXXX XXXX ) lost due to a travel company cancelling a trip before going bankrupt then PNC failed to issue a charge back for the amount paid for services that were never received.

Step 2 : What type of problem are you having?

PNC will not issue the money back even after being provided letters from XXXX  ( the travel company ) as to the repayment flowchart they provided to their customers on how to received a refund. They stated the payments were too old and would not take action in helping me receive the money I had paid XXXX.

Step 3 : What happened? 
A tour through XXXX was booked for the date XX/XX/XXXX however paid for in payments mostly throughout XXXX. It was rescheduled due to COVID, then cancelled, followed by the company XXXX going insolvent. 

XXXX then instructed all participants of the trip who had paid in full to request a chargeback from their banks however PNC stated it was beyond the date that they would honor a chargeback. XXXX provided letters stating they would not contest any chargeback from banks or credit card companies however PNC would not issue it due to their policy of the time limit to do so therefore I have not received a refund for USD XXXX paid to XXXX. 

Step 4 : What company is this complaint about?

PNC Bank Step 5 : Who are you submitting this complaint for? 
XXXX, XXXX XXXX XXXX for the amount of USD XXXX.
Product: Credit reporting or other personal consumer reports

The inquiry carried out by the creditor was not authorized ; it must be removed promptly.
Product: Credit reporting

My husband and I separated in XXXX XXXX and settled support issues in XXXX County court in XX/XX/XXXX. Equitable distribution did not occur. We agreed in XX/XX/XXXX ( mediated by attorneys ) that he would occupy and assume all financial responsibility of the marital home as I moved to Florida with our daughter in XXXX and had rent and bills of my own. His agreement was to pay the mortgage, taxes, etc until divorce was final. The house was for sale but he passed on XXXX great offers and 3 years later unbeknown to me, he defaulted and filed bankruptcy 3 years after that. Since I did not live at the address and XXXX said ( after the fact ) that they could only mail to one address, I was unaware of what had occurred. I received no communication from my ex or XXXX! They continued to send correspondence to me via mail to an address that was years old. As my credit began to tumble ( credit cards, denial for car loan, etc. ), I ran a report and contacted XXXX to explain the situation and they treated me as if I was in bankruptcy and headed for foreclosure. My credit is outstanding ( minus my ex-husband 's default ) but since this default perpetrated by my ex husband was not removed from my report, I have been denied an SBA loan and HELOC to start my own XXXX. I am unemployed and need to have this removed from my report in order to regain my credit in good standing. I should negatively affected by this reporting on my credit. I am not protected under any bankruptcy and since finding out the gory details, I have moved to get this house sold to stop the foreclosure and expedite a short sale. I understand that XXXX XXXX does not recognize my legal separation or divorce decree, but a few lenders told me that laws have changed and if a letter from the " responsible party '' is presented, the credit bureau can clear this off. Please clarify. In addition, please help me to have this removed from my credit report while I am not proactively working as a mediator between my ex husband and the bank to recover the defaulted funds from a short sale- which I also DO NOT want or need on my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00}
Product: Debt collection

My son had services rendered from XXXX XXXX XXXX based in XXXX, AL in XX/XX/XXXX. At the visit I paid a {$20.00} copay, posted on XX/XX/XXXX to my HSA account. I received a bill in XXXX of XXXX for the remainder and paid the bill of {$72.00} on XX/XX/XXXX. 

I received a call from AmSher, a collection agency in XXXX, AL on XX/XX/XXXX, advising, very forcefully, that I owed money and refused to give me details until I provided them with my childs personal information. As a minor, his information should NEVER be given and I asked if I could give mine since I was the responsible party. She advised no and was very rude. I hung up and called back to speak with someone. The next person advised me that XXXX XXXX XXXX has sent the bill to collections on XX/XX/XXXX and I could email her my paid receipt and they would remove it. 

I emailed my receipt on a XX/XX/XXXX and called XXXX XXXX XXXX to ask them to remove from collections. I left a message and no return call. I received a bill from the collection agency, AmSher, on XX/XX/XXXX stating a bill date of XX/XX/XXXX, 3 business days after I had advised and shown proof it was paid. I still can not get a call back from XXXX a XXXX XXXX and have identified 20 or more people this company is sending medical debts to collections for paid bills in my community.
Product: Student loan

I am a co signer on a student loan the loan is not default they are calling my job XXXX an XXXX time a day please stop them from calling. P.S. THIS IS THE NUMBER THAT IS CALLING # XXXX
Product: Credit card or prepaid card

I reported XXXX charges that were made without my permission to Capitol One - XXXX for XXXX - and XXXX by the XXXX XXXX - XXXX - both in XXXX. 

I filed the complaint with Capitol One directly - and gave a statement in support of my claim. The representative and supervisor stated my balance would be credited for the amounts of these charges pending the outcome of the dispute- which could take up to 90 days. I also submitted documentation - including receipts from another hotel showing I was at that hotel - and not the XXXX. I have since sent a notice of intent to sue to the management of the XXXX. 

Today, I called Capitol One and was told they reapplied the charges because they did not see any response from me. This is incorrect. Not only did I supply proof, I called to follow up Capitol One and reiterate the complaint. I demanded that the balance be credited again and offered 5 times to resubmit the proof. The rep sent 2 new links to upload documents.I asked for a supervisor, and was given XXXX ID # XXXX who claimed Fraud and Dispute XXXX. 

I spent 51 minutes on this call. 

XXXX did not help. XXXX contradicted the statements of two previous supervisors- he claimed that Capitol One did not provide balance credits pending during the investigation. XXXX was hostile, continued to talk over me, was so busy on script, he did not address the issue, he refused to look at the record, he said he was going to " cancel the card '' - I kept telling him the card had already been cancelled ( card ending in XXXX ) ; he continued to ask questions that had already been answered- ie he acknowledged that 2 new links had been sent to me for upload - then later asked did I receive these same links to upload documents. 


I was clear - I am not paying for charges I did not incur. Capitol One continues to provide poor customer service - I want these charges to be removed, and my balance should be reduced immediately as is the policy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TransUnion, Update : XXXX XXXX XXXX  Account : XXXX {$.00} Dear, TransUnion I am formally writing to ask could you please update my XXXX XXXX XXXX Ending in XXXX. Also I've attached the billing statement for supporting documentation. 



Sincerely,
Product: Credit card

I disputed a transaction of {$980.00} with Bank Of America and gave them a fax of XXXX cancel my order and they are refusing to credit my account.